Call reports 2025
PUTNAM COUNTY STATE BANK — 2025
What PUTNAM COUNTY STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 281,939,000 | 287,234,000 | 296,884,000 | 313,743,000 |
| Total loans | 228,800,000 | 225,576,000 | 232,045,000 | 242,266,000 |
| Allowance for loan losses | 3,037,000 | 3,025,000 | 3,036,000 | 3,184,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,305,000 | 5,423,000 | 5,416,000 | 5,714,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,473,000 | 245,260,000 | 253,435,000 | 268,765,000 |
| Interest-bearing deposits | 203,282,000 | 205,986,000 | 206,481,000 | 211,875,000 |
| Noninterest-bearing deposits | 38,191,000 | 39,274,000 | 46,954,000 | 56,890,000 |
| Equity capital | 39,501,000 | 41,024,000 | 42,551,000 | 39,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,448,000 | 8,944,000 | 13,541,000 | 18,162,000 |
| Interest expense | 1,909,000 | 3,816,000 | 5,738,000 | 7,640,000 |
| Net interest income | 2,539,000 | 5,128,000 | 7,803,000 | 10,522,000 |
| Noninterest income | 176,000 | 359,000 | 558,000 | 757,000 |
| Noninterest expense | 1,088,000 | 1,857,000 | 2,752,000 | 4,089,000 |
| Provision for loan losses | 50,000 | 50,000 | 75,000 | 200,000 |
| Pretax income | 1,577,000 | 3,580,000 | 5,534,000 | 6,990,000 |
| Income tax | 354,000 | 834,000 | 1,261,000 | 1,682,000 |
| Net income | 1,223,000 | 2,746,000 | 4,273,000 | 5,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,501,000 | 41,024,000 | 42,551,000 | 39,890,000 |