Call reports 2023
PUTNAM COUNTY BANK — 2023
What PUTNAM COUNTY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 633,257,000 | 605,728,000 | 622,854,000 | 607,935,000 |
| Total loans | 380,636,000 | 387,695,000 | 393,988,000 | 398,933,000 |
| Allowance for loan losses | 4,546,000 | 4,832,000 | 5,053,000 | 5,031,000 |
| Securities available for sale | 129,000,000 | 121,117,000 | 121,223,000 | 129,883,000 |
| Securities held to maturity | 40,401,000 | 44,014,000 | 43,682,000 | 43,501,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 537,012,000 | 533,356,000 | 550,784,000 | 526,023,000 |
| Interest-bearing deposits | 429,488,000 | 425,563,000 | 437,114,000 | 419,695,000 |
| Noninterest-bearing deposits | 107,524,000 | 107,793,000 | 113,670,000 | 106,328,000 |
| Equity capital | 92,415,000 | 68,353,000 | 67,195,000 | 71,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,679,000 | 11,828,000 | 18,290,000 | 25,138,000 |
| Interest expense | 1,371,000 | 3,378,000 | 5,845,000 | 8,568,000 |
| Net interest income | 4,308,000 | 8,450,000 | 12,445,000 | 16,570,000 |
| Noninterest income | 379,000 | 562,000 | 757,000 | 911,000 |
| Noninterest expense | 2,436,000 | 5,124,000 | 7,765,000 | 11,260,000 |
| Provision for loan losses | 0 | 237,000 | 342,000 | 314,000 |
| Pretax income | 2,121,000 | 3,478,000 | 4,885,000 | 5,756,000 |
| Income tax | 602,000 | 799,000 | 1,144,000 | 1,223,000 |
| Net income | 1,519,000 | 2,679,000 | 3,741,000 | 4,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,358,000 | 77,084,000 | 78,144,000 | 78,171,000 |