Call reports 2001
PATHFINDER BANK — 2001
What PATHFINDER BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 233,375,000 | 235,450,000 | 237,860,000 | 244,467,000 |
| Total loans | 151,640,000 | 153,101,000 | 159,343,000 | 169,509,000 |
| Allowance for loan losses | 1,336,000 | 1,547,000 | 1,577,000 | 1,679,000 |
| Securities available for sale | 60,931,000 | 56,468,000 | 55,120,000 | 49,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,498,000 | 170,659,000 | 168,766,000 | 170,619,000 |
| Interest-bearing deposits | 156,052,000 | 158,402,000 | 155,834,000 | 156,726,000 |
| Noninterest-bearing deposits | 10,446,000 | 12,257,000 | 12,932,000 | 13,893,000 |
| Equity capital | 20,042,000 | 20,110,000 | 21,375,000 | 21,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,181,000 | 8,280,000 | 12,395,000 | 16,465,000 |
| Interest expense | 2,330,000 | 4,495,000 | 6,595,000 | 8,493,000 |
| Net interest income | 1,851,000 | 3,785,000 | 5,800,000 | 7,972,000 |
| Noninterest income | 306,000 | 572,000 | 844,000 | 925,000 |
| Noninterest expense | 1,645,000 | 3,302,000 | 4,926,000 | 6,617,000 |
| Provision for loan losses | 121,000 | 540,000 | 579,000 | 708,000 |
| Pretax income | 391,000 | 960,000 | 1,585,000 | 2,321,000 |
| Income tax | 125,000 | 301,000 | 470,000 | 666,000 |
| Net income | 266,000 | 659,000 | 1,115,000 | 1,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,120,000 | 17,584,000 | 18,125,000 | 18,741,000 |
| Total capital | 18,696,000 | 19,219,000 | 19,775,000 | 20,525,000 |
| Risk-weighted assets | 151,922,000 | 153,488,000 | 158,303,000 | 165,583,000 |