Call reports 2013
PUTNAM COUNTY STATE BANK — 2013
What PUTNAM COUNTY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 160,424,000 | 158,303,000 | 155,585,000 | 158,160,000 |
| Total loans | 116,017,000 | 124,131,000 | 128,782,000 | 130,810,000 |
| Allowance for loan losses | 1,579,000 | 1,552,000 | 1,561,000 | 1,590,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,388,000 | 7,480,000 | 7,044,000 | 6,694,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,955,000 | 137,160,000 | 135,894,000 | 138,559,000 |
| Interest-bearing deposits | 123,327,000 | 120,510,000 | 119,913,000 | 120,876,000 |
| Noninterest-bearing deposits | 16,628,000 | 16,650,000 | 15,982,000 | 17,682,000 |
| Equity capital | 16,014,000 | 16,947,000 | 17,377,000 | 17,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,759,000 | 3,526,000 | 5,353,000 | 7,188,000 |
| Interest expense | 467,000 | 936,000 | 1,383,000 | 1,818,000 |
| Net interest income | 1,292,000 | 2,590,000 | 3,970,000 | 5,370,000 |
| Noninterest income | 136,000 | 295,000 | 637,000 | 767,000 |
| Noninterest expense | 591,000 | 844,000 | 1,491,000 | 2,143,000 |
| Provision for loan losses | 50,000 | 70,000 | 120,000 | 170,000 |
| Pretax income | 787,000 | 1,971,000 | 2,996,000 | 3,824,000 |
| Income tax | 295,000 | 546,000 | 1,142,000 | 1,429,000 |
| Net income | 492,000 | 1,425,000 | 1,854,000 | 2,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,014,000 | 16,947,000 | 17,377,000 | 17,271,000 |
| Total capital | 17,504,000 | 18,499,000 | 18,938,000 | 18,861,000 |
| Risk-weighted assets | 119,122,000 | 125,279,000 | 128,608,000 | 130,291,000 |
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