Call reports 2007
PUTNAM COUNTY STATE BANK — 2007
What PUTNAM COUNTY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 86,357,000 | 91,085,000 | 94,759,000 | 101,328,000 |
| Total loans | 71,753,000 | 78,308,000 | 82,043,000 | 82,988,000 |
| Allowance for loan losses | 805,000 | 865,000 | 949,000 | 878,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,793,000 | 5,794,000 | 5,496,000 | 5,498,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,618,000 | 81,624,000 | 84,366,000 | 90,467,000 |
| Interest-bearing deposits | 69,092,000 | 73,140,000 | 76,849,000 | 80,927,000 |
| Noninterest-bearing deposits | 8,526,000 | 8,484,000 | 7,517,000 | 9,539,000 |
| Equity capital | 8,500,000 | 8,854,000 | 9,140,000 | 9,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,506,000 | 3,149,000 | 4,885,000 | 6,666,000 |
| Interest expense | 732,000 | 1,503,000 | 2,349,000 | 3,227,000 |
| Net interest income | 774,000 | 1,646,000 | 2,536,000 | 3,439,000 |
| Noninterest income | 101,000 | 232,000 | 355,000 | 448,000 |
| Noninterest expense | 490,000 | 842,000 | 1,240,000 | 1,672,000 |
| Provision for loan losses | 30,000 | 85,000 | 175,000 | 215,000 |
| Pretax income | 355,000 | 951,000 | 1,476,000 | 2,000,000 |
| Income tax | 150,000 | 392,000 | 631,000 | 742,000 |
| Net income | 205,000 | 559,000 | 845,000 | 1,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,500,000 | 8,854,000 | 9,140,000 | 9,184,000 |
| Total capital | 9,305,000 | 9,719,000 | 10,089,000 | 10,062,000 |
| Risk-weighted assets | 70,252,000 | 77,659,000 | 80,057,000 | 81,951,000 |