Call reports 2022
PUTNAM COUNTY BANK — 2022
What PUTNAM COUNTY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 689,633,000 | 676,114,000 | 663,816,000 | 634,206,000 |
| Total loans | 332,938,000 | 349,052,000 | 357,953,000 | 371,777,000 |
| Allowance for loan losses | 5,162,000 | 4,687,000 | 4,495,000 | 4,485,000 |
| Securities available for sale | 134,885,000 | 134,127,000 | 138,470,000 | 143,048,000 |
| Securities held to maturity | 121,698,000 | 109,079,000 | 96,387,000 | 67,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 595,711,000 | 583,964,000 | 574,311,000 | 541,728,000 |
| Interest-bearing deposits | 476,019,000 | 464,162,000 | 455,474,000 | 429,748,000 |
| Noninterest-bearing deposits | 119,692,000 | 119,802,000 | 118,837,000 | 111,980,000 |
| Equity capital | 90,389,000 | 88,556,000 | 85,958,000 | 89,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,825,000 | 8,353,000 | 13,483,000 | 19,058,000 |
| Interest expense | 606,000 | 1,174,000 | 1,819,000 | 2,634,000 |
| Net interest income | 3,219,000 | 7,179,000 | 11,664,000 | 16,424,000 |
| Noninterest income | 111,000 | 246,000 | 378,000 | 694,000 |
| Noninterest expense | 2,485,000 | 5,068,000 | 7,627,000 | 9,653,000 |
| Provision for loan losses | -453,000 | -1,166,000 | -1,439,000 | -1,423,000 |
| Pretax income | 80,000 | 2,030,000 | 4,254,000 | 7,291,000 |
| Income tax | -23,000 | 442,000 | 976,000 | 1,423,000 |
| Net income | 103,000 | 1,588,000 | 3,278,000 | 5,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,165,000 | 95,628,000 | 97,319,000 | 98,888,000 |