Call reports 2006
PUTNAM COUNTY STATE BANK — 2006
What PUTNAM COUNTY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 84,326,000 | 81,594,000 | 81,985,000 | 83,949,000 |
| Total loans | 68,376,000 | 68,750,000 | 68,510,000 | 69,312,000 |
| Allowance for loan losses | 751,000 | 814,000 | 887,000 | 748,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,787,000 | 5,940,000 | 5,591,000 | 5,396,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,202,000 | 73,265,000 | 73,421,000 | 75,077,000 |
| Interest-bearing deposits | 68,380,000 | 65,520,000 | 65,872,000 | 64,494,000 |
| Noninterest-bearing deposits | 7,822,000 | 7,745,000 | 7,549,000 | 10,583,000 |
| Equity capital | 7,972,000 | 8,182,000 | 8,413,000 | 8,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,302,000 | 2,678,000 | 4,103,000 | 5,554,000 |
| Interest expense | 562,000 | 1,182,000 | 1,862,000 | 2,539,000 |
| Net interest income | 740,000 | 1,496,000 | 2,241,000 | 3,015,000 |
| Noninterest income | 99,000 | 213,000 | 329,000 | 437,000 |
| Noninterest expense | 443,000 | 762,000 | 1,151,000 | 1,585,000 |
| Provision for loan losses | 35,000 | 81,000 | 152,000 | 192,000 |
| Pretax income | 361,000 | 866,000 | 1,267,000 | 1,675,000 |
| Income tax | 1,000 | 296,000 | 466,000 | 622,000 |
| Net income | 360,000 | 570,000 | 801,000 | 1,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,972,000 | 8,182,000 | 8,413,000 | 8,296,000 |
| Total capital | 8,723,000 | 8,996,000 | 9,254,000 | 9,044,000 |
| Risk-weighted assets | 66,686,000 | 66,359,000 | 67,197,000 | 68,064,000 |