Call reports 2024
PUTNAM COUNTY BANK — 2024
What PUTNAM COUNTY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 636,959,000 | 627,250,000 | 657,331,000 | 648,671,000 |
| Total loans | 400,662,000 | 415,356,000 | 423,837,000 | 423,091,000 |
| Allowance for loan losses | 5,068,000 | 5,262,000 | 5,100,000 | 4,971,000 |
| Securities available for sale | 131,449,000 | 120,763,000 | 122,530,000 | 127,179,000 |
| Securities held to maturity | 43,676,000 | 38,803,000 | 38,973,000 | 33,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 544,413,000 | 540,182,000 | 571,178,000 | 565,154,000 |
| Interest-bearing deposits | 443,815,000 | 438,348,000 | 463,878,000 | 466,660,000 |
| Noninterest-bearing deposits | 100,598,000 | 101,834,000 | 107,300,000 | 98,494,000 |
| Equity capital | 71,851,000 | 71,643,000 | 75,442,000 | 73,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 7,283,000 | 14,615,000 | 22,104,000 | 30,081,000 |
| Interest expense | 3,187,000 | 6,516,000 | 9,997,000 | 13,542,000 |
| Net interest income | 4,096,000 | 8,099,000 | 12,107,000 | 16,539,000 |
| Noninterest income | 167,000 | 277,000 | 420,000 | 556,000 |
| Noninterest expense | 2,662,000 | 5,497,000 | 8,746,000 | 12,667,000 |
| Provision for loan losses | 47,000 | 126,000 | -101,000 | -220,000 |
| Pretax income | 1,513,000 | 2,717,000 | 3,739,000 | 4,517,000 |
| Income tax | 376,000 | 679,000 | 866,000 | 1,269,000 |
| Net income | 1,137,000 | 2,038,000 | 2,873,000 | 3,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,308,000 | 79,422,000 | 80,255,000 | 79,843,000 |