Call reports 2015
PATHFINDER COMMERCIAL BANK — 2015
What PATHFINDER COMMERCIAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 104,512,000 | 98,758,000 | 108,218,000 | 124,697,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 77,528,000 | 68,149,000 | 63,438,000 | 65,359,000 |
| Securities held to maturity | 18,961,000 | 18,637,000 | 18,308,000 | 18,006,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,925,000 | 89,697,000 | 99,420,000 | 114,499,000 |
| Interest-bearing deposits | 90,286,000 | 86,964,000 | 96,996,000 | 112,856,000 |
| Noninterest-bearing deposits | 5,639,000 | 2,733,000 | 2,424,000 | 1,643,000 |
| Equity capital | 8,212,000 | 8,037,000 | 8,531,000 | 8,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 316,000 | 666,000 | 1,033,000 | 1,404,000 |
| Interest expense | 33,000 | 67,000 | 112,000 | 166,000 |
| Net interest income | 283,000 | 599,000 | 921,000 | 1,238,000 |
| Noninterest income | 1,000 | 1,000 | 6,000 | 17,000 |
| Noninterest expense | 63,000 | 129,000 | 208,000 | 288,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 221,000 | 520,000 | 848,000 | 1,105,000 |
| Income tax | 67,000 | 156,000 | 254,000 | 331,000 |
| Net income | 154,000 | 364,000 | 594,000 | 774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,808,000 | 7,784,000 | 7,948,000 | 7,858,000 |
| Total capital | 7,808,000 | 7,784,000 | 7,948,000 | 7,858,000 |
| Risk-weighted assets | 25,724,000 | 20,183,000 | 22,886,000 | 25,379,000 |