Call reports 2003
PUTNAM COUNTY STATE BANK — 2003
What PUTNAM COUNTY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 68,959,000 | 69,038,000 | 66,316,000 | 68,732,000 |
| Total loans | 52,251,000 | 52,236,000 | 51,514,000 | 52,239,000 |
| Allowance for loan losses | 609,000 | 628,000 | 667,000 | 604,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,559,000 | 3,563,000 | 5,790,000 | 5,390,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,618,000 | 62,513,000 | 59,579,000 | 61,721,000 |
| Interest-bearing deposits | 55,984,000 | 56,264,000 | 53,224,000 | 55,063,000 |
| Noninterest-bearing deposits | 6,634,000 | 6,249,000 | 6,355,000 | 6,658,000 |
| Equity capital | 6,202,000 | 6,430,000 | 6,650,000 | 6,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 971,000 | 1,923,000 | 2,875,000 | 3,795,000 |
| Interest expense | 373,000 | 754,000 | 1,100,000 | 1,409,000 |
| Net interest income | 598,000 | 1,169,000 | 1,775,000 | 2,386,000 |
| Noninterest income | 95,000 | 187,000 | 286,000 | 374,000 |
| Noninterest expense | 365,000 | 651,000 | 980,000 | 1,352,000 |
| Provision for loan losses | 29,000 | 35,000 | 35,000 | 35,000 |
| Pretax income | 299,000 | 670,000 | 1,046,000 | 1,373,000 |
| Income tax | 105,000 | 248,000 | 404,000 | 501,000 |
| Net income | 194,000 | 422,000 | 642,000 | 872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,202,000 | 6,430,000 | 6,650,000 | 6,511,000 |
| Total capital | 6,811,000 | 7,058,000 | 7,282,000 | 7,115,000 |
| Risk-weighted assets | 51,604,000 | 51,324,000 | 50,492,000 | 50,989,000 |