Call reports 2014
PUTNAM COUNTY STATE BANK — 2014
What PUTNAM COUNTY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 159,339,000 | 160,741,000 | 160,919,000 | 168,895,000 |
| Total loans | 129,603,000 | 136,219,000 | 139,949,000 | 144,718,000 |
| Allowance for loan losses | 1,626,000 | 1,627,000 | 1,677,000 | 1,738,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,472,000 | 4,969,000 | 3,866,000 | 3,614,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,005,000 | 139,817,000 | 139,338,000 | 147,327,000 |
| Interest-bearing deposits | 121,725,000 | 122,475,000 | 121,125,000 | 123,315,000 |
| Noninterest-bearing deposits | 17,280,000 | 17,342,000 | 18,214,000 | 24,012,000 |
| Equity capital | 17,817,000 | 18,463,000 | 19,090,000 | 19,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,786,000 | 3,572,000 | 5,486,000 | 7,405,000 |
| Interest expense | 416,000 | 825,000 | 1,240,000 | 1,656,000 |
| Net interest income | 1,370,000 | 2,747,000 | 4,246,000 | 5,749,000 |
| Noninterest income | 127,000 | 271,000 | 424,000 | 552,000 |
| Noninterest expense | 584,000 | 1,040,000 | 1,597,000 | 2,336,000 |
| Provision for loan losses | 30,000 | 60,000 | 120,000 | 190,000 |
| Pretax income | 883,000 | 1,918,000 | 2,953,000 | 3,775,000 |
| Income tax | 338,000 | 726,000 | 1,134,000 | 1,256,000 |
| Net income | 545,000 | 1,192,000 | 1,819,000 | 2,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,817,000 | 18,463,000 | 19,090,000 | 19,144,000 |
| Total capital | 19,432,000 | 20,090,000 | 20,767,000 | 20,882,000 |
| Risk-weighted assets | 129,192,000 | 135,151,000 | 138,708,000 | 143,761,000 |