Call reports 2015
PUTNAM COUNTY STATE BANK — 2015
What PUTNAM COUNTY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 169,413,000 | 169,801,000 | 173,904,000 | 191,762,000 |
| Total loans | 145,740,000 | 154,602,000 | 156,632,000 | 159,890,000 |
| Allowance for loan losses | 1,777,000 | 1,836,000 | 1,871,000 | 1,900,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,712,000 | 2,710,000 | 2,759,000 | 7,360,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,176,000 | 147,051,000 | 145,066,000 | 165,265,000 |
| Interest-bearing deposits | 128,118,000 | 128,832,000 | 127,589,000 | 145,366,000 |
| Noninterest-bearing deposits | 19,058,000 | 18,220,000 | 17,476,000 | 19,899,000 |
| Equity capital | 19,744,000 | 20,450,000 | 21,209,000 | 21,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,925,000 | 3,938,000 | 6,028,000 | 8,138,000 |
| Interest expense | 418,000 | 831,000 | 1,253,000 | 1,716,000 |
| Net interest income | 1,507,000 | 3,107,000 | 4,775,000 | 6,422,000 |
| Noninterest income | 124,000 | 269,000 | 430,000 | 575,000 |
| Noninterest expense | 633,000 | 1,163,000 | 1,750,000 | 2,578,000 |
| Provision for loan losses | 30,000 | 70,000 | 110,000 | 170,000 |
| Pretax income | 968,000 | 2,143,000 | 3,345,000 | 4,249,000 |
| Income tax | 368,000 | 836,000 | 1,279,000 | 1,610,000 |
| Net income | 600,000 | 1,307,000 | 2,066,000 | 2,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,744,000 | 20,450,000 | 21,209,000 | 21,136,000 |
| Total capital | 21,521,000 | 22,286,000 | 23,080,000 | 23,036,000 |
| Risk-weighted assets | 152,414,000 | 152,425,000 | 155,234,000 | 159,563,000 |