Call reports 2004
PUTNAM STATE BANK — 2004
What PUTNAM STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 102,550,000 | 107,441,000 | 111,652,000 | 110,867,000 |
| Total loans | 71,919,000 | 76,082,000 | 80,169,000 | 84,635,000 |
| Allowance for loan losses | 757,000 | 772,000 | 766,000 | 807,000 |
| Securities available for sale | 12,712,000 | 11,583,000 | 11,206,000 | 10,637,000 |
| Securities held to maturity | 1,078,000 | 1,076,000 | 1,072,000 | 1,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,083,000 | 96,900,000 | 100,844,000 | 100,183,000 |
| Interest-bearing deposits | 82,543,000 | 85,976,000 | 89,631,000 | 88,820,000 |
| Noninterest-bearing deposits | 9,540,000 | 10,924,000 | 11,213,000 | 11,363,000 |
| Equity capital | 9,871,000 | 9,978,000 | 10,177,000 | 10,117,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,382,000 | 2,819,000 | 4,367,000 | 5,984,000 |
| Interest expense | 367,000 | 737,000 | 1,131,000 | 1,546,000 |
| Net interest income | 1,015,000 | 2,082,000 | 3,236,000 | 4,438,000 |
| Noninterest income | 206,000 | 425,000 | 647,000 | 880,000 |
| Noninterest expense | 807,000 | 1,575,000 | 2,396,000 | 3,178,000 |
| Provision for loan losses | 15,000 | 30,000 | 525,000 | 560,000 |
| Pretax income | 399,000 | 902,000 | 962,000 | 1,580,000 |
| Income tax | 143,000 | 323,000 | 345,000 | 567,000 |
| Net income | 256,000 | 579,000 | 617,000 | 1,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,834,000 | 10,155,000 | 10,194,000 | 10,144,000 |
| Total capital | 10,591,000 | 10,927,000 | 10,960,000 | 10,951,000 |
| Risk-weighted assets | 85,813,000 | 91,112,000 | 93,597,000 | 99,262,000 |