Call reports 2005
PATHFINDER BANK — 2005
What PATHFINDER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 308,134,000 | 310,265,000 | 303,211,000 | 295,773,000 |
| Total loans | 186,390,000 | 187,433,000 | 184,931,000 | 188,955,000 |
| Allowance for loan losses | 1,878,000 | 1,879,000 | 1,801,000 | 1,680,000 |
| Securities available for sale | 89,065,000 | 86,635,000 | 83,720,000 | 73,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,310,000 | 238,790,000 | 242,207,000 | 237,118,000 |
| Interest-bearing deposits | 227,456,000 | 218,222,000 | 220,825,000 | 215,310,000 |
| Noninterest-bearing deposits | 18,853,000 | 20,568,000 | 21,382,000 | 21,808,000 |
| Equity capital | 25,037,000 | 25,822,000 | 25,999,000 | 24,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,731,000 | 7,554,000 | 11,437,000 | 15,266,000 |
| Interest expense | 1,419,000 | 2,857,000 | 4,388,000 | 5,990,000 |
| Net interest income | 2,312,000 | 4,697,000 | 7,049,000 | 9,276,000 |
| Noninterest income | 410,000 | 834,000 | 1,361,000 | 1,796,000 |
| Noninterest expense | 2,324,000 | 4,725,000 | 7,114,000 | 9,630,000 |
| Provision for loan losses | 72,000 | 138,000 | 228,000 | 311,000 |
| Pretax income | 327,000 | 668,000 | 876,000 | 926,000 |
| Income tax | 92,000 | 133,000 | 174,000 | 143,000 |
| Net income | 235,000 | 535,000 | 702,000 | 783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,444,000 | 21,775,000 | 22,121,000 | 21,278,000 |
| Total capital | 23,322,000 | 23,654,000 | 23,922,000 | 22,958,000 |
| Risk-weighted assets | 184,110,000 | 179,960,000 | 183,924,000 | 182,686,000 |