Call reports 2021
PUTNAM COUNTY BANK — 2021
What PUTNAM COUNTY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 653,536,000 | 666,782,000 | 678,824,000 | 677,045,000 |
| Total loans | 315,120,000 | 315,295,000 | 307,696,000 | 316,116,000 |
| Allowance for loan losses | 6,158,000 | 6,138,000 | 5,297,000 | 5,352,000 |
| Securities available for sale | 64,232,000 | 93,296,000 | 118,783,000 | 112,677,000 |
| Securities held to maturity | 116,078,000 | 109,087,000 | 109,585,000 | 108,509,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 555,767,000 | 569,744,000 | 580,846,000 | 580,840,000 |
| Interest-bearing deposits | 453,972,000 | 459,496,000 | 467,892,000 | 460,741,000 |
| Noninterest-bearing deposits | 101,795,000 | 110,248,000 | 112,954,000 | 120,099,000 |
| Equity capital | 92,791,000 | 92,224,000 | 93,205,000 | 92,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,293,000 | 8,245,000 | 12,043,000 | 15,768,000 |
| Interest expense | 899,000 | 1,706,000 | 2,444,000 | 3,123,000 |
| Net interest income | 3,394,000 | 6,539,000 | 9,599,000 | 12,645,000 |
| Noninterest income | 118,000 | 194,000 | 324,000 | 459,000 |
| Noninterest expense | 2,187,000 | 4,696,000 | 7,277,000 | 10,348,000 |
| Provision for loan losses | 6,000 | 6,000 | -828,000 | -1,087,000 |
| Pretax income | 1,295,000 | 2,009,000 | 3,446,000 | 3,525,000 |
| Income tax | 170,000 | 341,000 | 685,000 | 862,000 |
| Net income | 1,125,000 | 1,668,000 | 2,761,000 | 2,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,502,000 | 95,055,000 | 96,148,000 | 95,060,000 |
| Total capital | 99,013,000 | 98,692,000 | 99,733,000 | 98,754,000 |
| Risk-weighted assets | 278,310,000 | 288,512,000 | 285,135,000 | 293,893,000 |