Call reports 2016
PUTNAM COUNTY STATE BANK — 2016
What PUTNAM COUNTY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 188,835,000 | 192,107,000 | 189,233,000 | 199,170,000 |
| Total loans | 160,843,000 | 165,346,000 | 166,497,000 | 162,568,000 |
| Allowance for loan losses | 1,961,000 | 1,944,000 | 1,988,000 | 1,897,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,712,000 | 7,868,000 | 7,365,000 | 7,671,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,559,000 | 167,479,000 | 163,884,000 | 173,572,000 |
| Interest-bearing deposits | 147,076,000 | 151,168,000 | 147,380,000 | 150,326,000 |
| Noninterest-bearing deposits | 17,483,000 | 16,311,000 | 16,504,000 | 23,245,000 |
| Equity capital | 21,767,000 | 22,465,000 | 23,174,000 | 23,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,125,000 | 4,263,000 | 6,468,000 | 8,654,000 |
| Interest expense | 492,000 | 989,000 | 1,505,000 | 2,028,000 |
| Net interest income | 1,633,000 | 3,274,000 | 4,963,000 | 6,626,000 |
| Noninterest income | 158,000 | 290,000 | 427,000 | 576,000 |
| Noninterest expense | 695,000 | 1,285,000 | 1,896,000 | 2,586,000 |
| Provision for loan losses | 60,000 | 125,000 | 195,000 | 325,000 |
| Pretax income | 1,036,000 | 2,154,000 | 3,299,000 | 4,291,000 |
| Income tax | 405,000 | 825,000 | 1,261,000 | 1,550,000 |
| Net income | 631,000 | 1,329,000 | 2,038,000 | 2,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,767,000 | 22,465,000 | 23,174,000 | 23,230,000 |
| Total capital | 23,728,000 | 24,409,000 | 25,162,000 | 25,127,000 |
| Risk-weighted assets | 160,696,000 | 165,271,000 | 167,672,000 | 163,115,000 |