Call reports 2020
PUTNAM COUNTY STATE BANK — 2020
What PUTNAM COUNTY STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 225,183,000 | 235,937,000 | 239,416,000 | 245,584,000 |
| Total loans | 185,916,000 | 192,670,000 | 192,475,000 | 193,354,000 |
| Allowance for loan losses | 2,545,000 | 2,748,000 | 2,806,000 | 2,608,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,342,000 | 5,134,000 | 5,289,000 | 4,648,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,452,000 | 195,032,000 | 198,144,000 | 203,305,000 |
| Interest-bearing deposits | 162,436,000 | 163,652,000 | 164,408,000 | 164,319,000 |
| Noninterest-bearing deposits | 23,016,000 | 31,380,000 | 33,736,000 | 38,986,000 |
| Equity capital | 30,243,000 | 31,111,000 | 32,100,000 | 31,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,777,000 | 5,433,000 | 8,042,000 | 10,581,000 |
| Interest expense | 901,000 | 1,742,000 | 2,572,000 | 3,367,000 |
| Net interest income | 1,876,000 | 3,691,000 | 5,470,000 | 7,214,000 |
| Noninterest income | 152,000 | 298,000 | 581,000 | 732,000 |
| Noninterest expense | 836,000 | 1,443,000 | 2,127,000 | 3,045,000 |
| Provision for loan losses | 60,000 | 220,000 | 265,000 | 290,000 |
| Pretax income | 1,132,000 | 2,326,000 | 3,659,000 | 4,611,000 |
| Income tax | 289,000 | 613,000 | 959,000 | 1,118,000 |
| Net income | 843,000 | 1,713,000 | 2,700,000 | 3,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,243,000 | 31,111,000 | 32,100,000 | 31,414,000 |