Call reports 2025
PUTNAM COUNTY BANK — 2025
What PUTNAM COUNTY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 650,561,000 | 665,312,000 | 673,825,000 | 650,577,000 |
| Total loans | 422,884,000 | 440,080,000 | 441,433,000 | 454,188,000 |
| Allowance for loan losses | 4,978,000 | 5,019,000 | 5,019,000 | 5,047,000 |
| Securities available for sale | 122,372,000 | 125,310,000 | 122,957,000 | 120,549,000 |
| Securities held to maturity | 34,053,000 | 34,031,000 | 34,105,000 | 34,044,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 569,939,000 | 583,833,000 | 589,785,000 | 564,976,000 |
| Interest-bearing deposits | 469,190,000 | 478,842,000 | 476,753,000 | 462,274,000 |
| Noninterest-bearing deposits | 100,749,000 | 104,991,000 | 113,032,000 | 102,702,000 |
| Equity capital | 76,327,000 | 77,553,000 | 80,161,000 | 81,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,449,000 | 15,388,000 | 23,578,000 | 31,624,000 |
| Interest expense | 3,237,000 | 6,291,000 | 9,286,000 | 12,136,000 |
| Net interest income | 4,212,000 | 9,097,000 | 14,292,000 | 19,488,000 |
| Noninterest income | 129,000 | 277,000 | 430,000 | 572,000 |
| Noninterest expense | 2,652,000 | 5,732,000 | 8,638,000 | 12,369,000 |
| Provision for loan losses | -19,000 | 7,000 | -139,000 | -133,000 |
| Pretax income | 1,617,000 | 3,425,000 | 5,990,000 | 7,620,000 |
| Income tax | 438,000 | 922,000 | 1,556,000 | 1,803,000 |
| Net income | 1,179,000 | 2,503,000 | 4,434,000 | 5,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,023,000 | 81,537,000 | 83,466,000 | 84,040,000 |