Call reports 2003
PATHFINDER BANK — 2003
What PATHFINDER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 282,071,000 | 282,668,000 | 287,028,000 | 277,507,000 |
| Total loans | 185,648,000 | 189,965,000 | 195,689,000 | 190,626,000 |
| Allowance for loan losses | 1,515,000 | 1,582,000 | 1,706,000 | 1,715,000 |
| Securities available for sale | 57,591,000 | 62,937,000 | 58,119,000 | 56,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,573,000 | 205,630,000 | 213,327,000 | 209,077,000 |
| Interest-bearing deposits | 195,599,000 | 187,504,000 | 192,950,000 | 191,707,000 |
| Noninterest-bearing deposits | 16,974,000 | 18,127,000 | 20,377,000 | 17,371,000 |
| Equity capital | 25,085,000 | 26,085,000 | 25,861,000 | 24,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,140,000 | 8,065,000 | 11,794,000 | 15,628,000 |
| Interest expense | 1,545,000 | 3,012,000 | 4,374,000 | 5,707,000 |
| Net interest income | 2,595,000 | 5,053,000 | 7,420,000 | 9,921,000 |
| Noninterest income | 266,000 | 779,000 | 1,251,000 | 1,561,000 |
| Noninterest expense | 2,170,000 | 4,387,000 | 6,526,000 | 8,703,000 |
| Provision for loan losses | 106,000 | 366,000 | 492,000 | 598,000 |
| Pretax income | 647,000 | 1,496,000 | 2,072,000 | 2,620,000 |
| Income tax | 19,000 | 284,000 | 620,000 | 790,000 |
| Net income | 628,000 | 1,212,000 | 1,452,000 | 1,830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,191,000 | 20,076,000 | 20,414,000 | 19,567,000 |
| Total capital | 20,706,000 | 21,658,000 | 22,120,000 | 21,282,000 |
| Risk-weighted assets | 174,335,000 | 172,406,000 | 178,078,000 | 170,321,000 |