Call reports 2019
PUTNAM COUNTY BANK — 2019
What PUTNAM COUNTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 598,763,000 | 589,660,000 | 595,137,000 | 589,814,000 |
| Total loans | 348,152,000 | 344,970,000 | 342,678,000 | 344,135,000 |
| Allowance for loan losses | 4,801,000 | 4,714,000 | 4,865,000 | 4,949,000 |
| Securities available for sale | 24,304,000 | 34,611,000 | 39,717,000 | 44,766,000 |
| Securities held to maturity | 138,614,000 | 126,583,000 | 125,108,000 | 117,055,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 505,044,000 | 495,254,000 | 499,212,000 | 493,768,000 |
| Interest-bearing deposits | 434,070,000 | 424,511,000 | 423,763,000 | 424,132,000 |
| Noninterest-bearing deposits | 70,974,000 | 70,743,000 | 75,449,000 | 69,636,000 |
| Equity capital | 88,739,000 | 89,391,000 | 90,612,000 | 90,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,668,000 | 11,536,000 | 17,236,000 | 22,832,000 |
| Interest expense | 1,317,000 | 2,745,000 | 4,215,000 | 5,726,000 |
| Net interest income | 4,351,000 | 8,791,000 | 13,021,000 | 17,106,000 |
| Noninterest income | 49,000 | -377,000 | -268,000 | -149,000 |
| Noninterest expense | 2,419,000 | 4,792,000 | 7,321,000 | 10,202,000 |
| Provision for loan losses | 202,000 | 258,000 | 600,000 | 788,000 |
| Pretax income | 1,779,000 | 3,364,000 | 4,832,000 | 5,967,000 |
| Income tax | 428,000 | 734,000 | 1,058,000 | 1,323,000 |
| Net income | 1,351,000 | 2,630,000 | 3,774,000 | 4,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,402,000 | 91,833,000 | 92,990,000 | 92,920,000 |
| Total capital | 95,109,000 | 95,477,000 | 96,552,000 | 96,546,000 |
| Risk-weighted assets | 295,474,000 | 290,465,000 | 283,695,000 | 288,763,000 |