Call reports 2004
PATHFINDER BANK — 2004
What PATHFINDER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 301,623,000 | 299,116,000 | 302,573,000 | 301,530,000 |
| Total loans | 188,583,000 | 186,498,000 | 188,713,000 | 188,568,000 |
| Allowance for loan losses | 1,775,000 | 1,835,000 | 1,887,000 | 1,827,000 |
| Securities available for sale | 74,410,000 | 74,070,000 | 74,231,000 | 74,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,465,000 | 235,698,000 | 238,792,000 | 238,253,000 |
| Interest-bearing deposits | 214,505,000 | 215,782,000 | 219,235,000 | 217,597,000 |
| Noninterest-bearing deposits | 17,960,000 | 19,917,000 | 19,556,000 | 20,655,000 |
| Equity capital | 25,521,000 | 24,446,000 | 25,611,000 | 25,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,581,000 | 7,341,000 | 10,993,000 | 14,701,000 |
| Interest expense | 1,285,000 | 2,621,000 | 3,945,000 | 5,306,000 |
| Net interest income | 2,296,000 | 4,720,000 | 7,048,000 | 9,395,000 |
| Noninterest income | 451,000 | 853,000 | 1,395,000 | 1,872,000 |
| Noninterest expense | 2,170,000 | 4,406,000 | 6,650,000 | 8,915,000 |
| Provision for loan losses | 188,000 | 295,000 | 407,000 | 738,000 |
| Pretax income | 543,000 | 1,026,000 | 1,624,000 | 2,056,000 |
| Income tax | 156,000 | 298,000 | 470,000 | 599,000 |
| Net income | 387,000 | 728,000 | 1,154,000 | 1,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,994,000 | 20,429,000 | 20,745,000 | 21,147,000 |
| Total capital | 21,769,000 | 22,264,000 | 22,632,000 | 22,974,000 |
| Risk-weighted assets | 174,263,000 | 175,306,000 | 177,211,000 | 180,199,000 |