Call reports 2004
PUTNAM COUNTY STATE BANK — 2004
What PUTNAM COUNTY 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 | 67,377,000 | 67,701,000 | 70,294,000 | 74,271,000 |
| Total loans | 55,093,000 | 55,977,000 | 56,452,000 | 58,907,000 |
| Allowance for loan losses | 645,000 | 685,000 | 691,000 | 664,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,267,000 | 5,467,000 | 5,467,000 | 5,316,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,520,000 | 60,693,000 | 63,014,000 | 66,765,000 |
| Interest-bearing deposits | 54,227,000 | 53,922,000 | 55,898,000 | 58,003,000 |
| Noninterest-bearing deposits | 6,293,000 | 6,771,000 | 7,116,000 | 8,762,000 |
| Equity capital | 6,768,000 | 6,932,000 | 7,196,000 | 7,010,000 |
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 | 920,000 | 1,845,000 | 2,789,000 | 3,746,000 |
| Interest expense | 287,000 | 559,000 | 853,000 | 1,191,000 |
| Net interest income | 633,000 | 1,286,000 | 1,936,000 | 2,555,000 |
| Noninterest income | 102,000 | 198,000 | 317,000 | 420,000 |
| Noninterest expense | 393,000 | 736,000 | 1,090,000 | 1,513,000 |
| Provision for loan losses | 25,000 | 55,000 | 60,000 | 70,000 |
| Pretax income | 317,000 | 693,000 | 1,103,000 | 1,392,000 |
| Income tax | 60,000 | 272,000 | 418,000 | 523,000 |
| Net income | 257,000 | 421,000 | 685,000 | 869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,768,000 | 6,932,000 | 7,196,000 | 7,010,000 |
| Total capital | 7,413,000 | 7,600,000 | 7,875,000 | 7,674,000 |
| Risk-weighted assets | 52,592,000 | 53,384,000 | 54,328,000 | 57,044,000 |