Call reports 2005
PUTNAM COUNTY STATE BANK — 2005
What PUTNAM COUNTY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 74,676,000 | 73,903,000 | 76,821,000 | 83,167,000 |
| Total loans | 60,609,000 | 63,836,000 | 64,969,000 | 66,431,000 |
| Allowance for loan losses | 685,000 | 709,000 | 716,000 | 701,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,913,000 | 6,060,000 | 5,340,000 | 5,339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,264,000 | 65,981,000 | 69,000,000 | 75,007,000 |
| Interest-bearing deposits | 59,241,000 | 58,349,000 | 61,432,000 | 62,198,000 |
| Noninterest-bearing deposits | 8,023,000 | 7,632,000 | 7,568,000 | 12,809,000 |
| Equity capital | 7,198,000 | 7,476,000 | 7,707,000 | 7,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 994,000 | 2,072,000 | 3,211,000 | 4,436,000 |
| Interest expense | 358,000 | 742,000 | 1,175,000 | 1,672,000 |
| Net interest income | 636,000 | 1,330,000 | 2,036,000 | 2,764,000 |
| Noninterest income | 95,000 | 205,000 | 317,000 | 423,000 |
| Noninterest expense | 396,000 | 768,000 | 1,173,000 | 1,576,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 65,000 |
| Pretax income | 320,000 | 737,000 | 1,135,000 | 1,546,000 |
| Income tax | 132,000 | 271,000 | 438,000 | 574,000 |
| Net income | 188,000 | 466,000 | 697,000 | 972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,198,000 | 7,476,000 | 7,707,000 | 7,612,000 |
| Total capital | 7,883,000 | 8,185,000 | 8,423,000 | 8,313,000 |
| Risk-weighted assets | 58,069,000 | 60,708,000 | 62,605,000 | 65,040,000 |