Call reports 2019
PUTNAM COUNTY STATE BANK — 2019
What PUTNAM COUNTY STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 214,733,000 | 215,929,000 | 220,106,000 | 224,660,000 |
| Total loans | 179,787,000 | 187,862,000 | 187,843,000 | 183,781,000 |
| Allowance for loan losses | 2,405,000 | 2,439,000 | 2,584,000 | 2,480,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,905,000 | 6,893,000 | 6,282,000 | 5,711,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,219,000 | 180,554,000 | 183,477,000 | 187,367,000 |
| Interest-bearing deposits | 155,555,000 | 158,628,000 | 161,818,000 | 164,538,000 |
| Noninterest-bearing deposits | 24,664,000 | 21,926,000 | 21,658,000 | 22,828,000 |
| Equity capital | 27,977,000 | 29,071,000 | 29,987,000 | 29,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,609,000 | 5,399,000 | 8,308,000 | 11,154,000 |
| Interest expense | 794,000 | 1,662,000 | 2,592,000 | 3,523,000 |
| Net interest income | 1,815,000 | 3,737,000 | 5,716,000 | 7,631,000 |
| Noninterest income | 131,000 | 294,000 | 469,000 | 646,000 |
| Noninterest expense | 783,000 | 1,351,000 | 2,122,000 | 2,993,000 |
| Provision for loan losses | 50,000 | 100,000 | 230,000 | 325,000 |
| Pretax income | 1,113,000 | 2,580,000 | 3,833,000 | 4,959,000 |
| Income tax | 288,000 | 660,000 | 997,000 | 1,233,000 |
| Net income | 825,000 | 1,920,000 | 2,836,000 | 3,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,977,000 | 29,071,000 | 29,987,000 | 29,399,000 |
| Total capital | 30,250,000 | 31,445,000 | 32,494,000 | 31,879,000 |
| Risk-weighted assets | 181,680,000 | 189,873,000 | 200,455,000 | 199,983,000 |