Call reports 2002
PATHFINDER BANK — 2002
What PATHFINDER BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 249,315,000 | 257,270,000 | 257,577,000 | 280,883,000 |
| Total loans | 174,945,000 | 176,601,000 | 176,736,000 | 184,373,000 |
| Allowance for loan losses | 1,819,000 | 2,167,000 | 1,680,000 | 1,481,000 |
| Securities available for sale | 45,988,000 | 46,236,000 | 48,635,000 | 58,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,682,000 | 183,290,000 | 183,612,000 | 210,546,000 |
| Interest-bearing deposits | 161,473,000 | 169,277,000 | 169,521,000 | 193,839,000 |
| Noninterest-bearing deposits | 13,210,000 | 14,012,000 | 14,091,000 | 16,708,000 |
| Equity capital | 21,761,000 | 21,800,000 | 24,387,000 | 24,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,024,000 | 8,004,000 | 11,985,000 | 16,008,000 |
| Interest expense | 1,789,000 | 3,517,000 | 5,230,000 | 6,894,000 |
| Net interest income | 2,235,000 | 4,487,000 | 6,755,000 | 9,114,000 |
| Noninterest income | 294,000 | 734,000 | 1,016,000 | 1,349,000 |
| Noninterest expense | 1,683,000 | 3,577,000 | 5,266,000 | 7,617,000 |
| Provision for loan losses | 162,000 | 1,070,000 | 1,208,000 | 1,375,000 |
| Pretax income | 728,000 | 1,191,000 | 1,914,000 | 1,861,000 |
| Income tax | 171,000 | 359,000 | 557,000 | 514,000 |
| Net income | 557,000 | 832,000 | 1,357,000 | 1,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,374,000 | 19,166,000 | 21,221,000 | 19,476,000 |
| Total capital | 21,344,000 | 21,260,000 | 22,901,000 | 20,957,000 |
| Risk-weighted assets | 166,826,000 | 167,423,000 | 166,255,000 | 177,075,000 |