Call reports 2008
PUTNAM COUNTY STATE BANK — 2008
What PUTNAM COUNTY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 102,909,000 | 99,946,000 | 102,350,000 | 111,760,000 |
| Total loans | 85,404,000 | 88,889,000 | 92,439,000 | 92,027,000 |
| Allowance for loan losses | 947,000 | 1,009,000 | 1,069,000 | 1,058,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,494,000 | 5,157,000 | 5,055,000 | 5,327,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,013,000 | 88,847,000 | 86,219,000 | 97,223,000 |
| Interest-bearing deposits | 82,511,000 | 80,492,000 | 77,800,000 | 87,353,000 |
| Noninterest-bearing deposits | 9,502,000 | 8,355,000 | 8,419,000 | 9,870,000 |
| Equity capital | 9,529,000 | 9,926,000 | 10,224,000 | 10,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,795,000 | 3,511,000 | 5,121,000 | 6,942,000 |
| Interest expense | 848,000 | 1,594,000 | 2,324,000 | 3,078,000 |
| Net interest income | 947,000 | 1,917,000 | 2,797,000 | 3,864,000 |
| Noninterest income | 113,000 | 226,000 | 346,000 | 466,000 |
| Noninterest expense | 459,000 | 825,000 | 1,275,000 | 1,803,000 |
| Provision for loan losses | 60,000 | 115,000 | 190,000 | 240,000 |
| Pretax income | 541,000 | 1,203,000 | 1,678,000 | 2,287,000 |
| Income tax | 196,000 | 462,000 | 638,000 | 850,000 |
| Net income | 345,000 | 741,000 | 1,040,000 | 1,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,529,000 | 9,926,000 | 10,224,000 | 10,253,000 |
| Total capital | 10,476,000 | 10,935,000 | 11,293,000 | 11,311,000 |
| Risk-weighted assets | 84,243,000 | 86,337,000 | 90,265,000 | 90,483,000 |