Call reports 2020
PUTNAM COUNTY BANK — 2020
What PUTNAM COUNTY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 605,031,000 | 621,623,000 | 640,304,000 | 636,170,000 |
| Total loans | 339,924,000 | 339,453,000 | 330,183,000 | 323,124,000 |
| Allowance for loan losses | 5,518,000 | 6,881,000 | 6,973,000 | 7,261,000 |
| Securities available for sale | 50,452,000 | 43,881,000 | 53,930,000 | 53,746,000 |
| Securities held to maturity | 108,888,000 | 112,923,000 | 121,043,000 | 113,565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 508,523,000 | 523,630,000 | 542,043,000 | 539,020,000 |
| Interest-bearing deposits | 434,875,000 | 435,664,000 | 452,732,000 | 449,190,000 |
| Noninterest-bearing deposits | 73,648,000 | 87,966,000 | 89,311,000 | 89,830,000 |
| Equity capital | 90,539,000 | 92,027,000 | 92,738,000 | 91,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,406,000 | 10,467,000 | 15,113,000 | 19,488,000 |
| Interest expense | 1,489,000 | 2,844,000 | 4,083,000 | 5,140,000 |
| Net interest income | 3,917,000 | 7,623,000 | 11,030,000 | 14,348,000 |
| Noninterest income | 106,000 | 215,000 | 332,000 | 458,000 |
| Noninterest expense | 2,334,000 | 4,776,000 | 7,259,000 | 10,158,000 |
| Provision for loan losses | 127,000 | 127,000 | 152,000 | 254,000 |
| Pretax income | 1,562,000 | 2,940,000 | 3,957,000 | 4,393,000 |
| Income tax | 301,000 | 602,000 | 833,000 | 1,049,000 |
| Net income | 1,261,000 | 2,338,000 | 3,124,000 | 3,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,804,000 | 94,331,000 | 95,117,000 | 94,377,000 |
| Total capital | 96,454,000 | 97,932,000 | 98,767,000 | 97,982,000 |
| Risk-weighted assets | 290,171,000 | 284,835,000 | 288,732,000 | 284,760,000 |