Call reports 2023
PUTNAM COUNTY STATE BANK — 2023
What PUTNAM COUNTY STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 247,452,000 | 247,714,000 | 253,018,000 | 267,152,000 |
| Total loans | 208,926,000 | 219,267,000 | 220,126,000 | 221,654,000 |
| Allowance for loan losses | 2,706,000 | 2,762,000 | 2,856,000 | 2,866,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,563,000 | 5,553,000 | 5,819,000 | 5,134,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,676,000 | 208,699,000 | 212,641,000 | 225,323,000 |
| Interest-bearing deposits | 167,452,000 | 169,821,000 | 175,256,000 | 184,911,000 |
| Noninterest-bearing deposits | 41,225,000 | 38,878,000 | 37,385,000 | 40,412,000 |
| Equity capital | 37,153,000 | 38,444,000 | 39,701,000 | 38,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,097,000 | 6,482,000 | 10,175,000 | 14,088,000 |
| Interest expense | 995,000 | 2,225,000 | 3,658,000 | 5,260,000 |
| Net interest income | 2,102,000 | 4,257,000 | 6,517,000 | 8,828,000 |
| Noninterest income | 251,000 | 476,000 | 681,000 | 860,000 |
| Noninterest expense | 853,000 | 1,562,000 | 2,339,000 | 3,412,000 |
| Provision for loan losses | 75,000 | 125,000 | 195,000 | 195,000 |
| Pretax income | 1,425,000 | 3,046,000 | 4,664,000 | 6,081,000 |
| Income tax | 394,000 | 723,000 | 1,086,000 | 1,402,000 |
| Net income | 1,031,000 | 2,323,000 | 3,578,000 | 4,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,153,000 | 38,444,000 | 39,701,000 | 38,029,000 |