Call reports 2006
PATHFINDER BANK — 2006
What PATHFINDER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 303,932,000 | 297,178,000 | 298,271,000 | 301,672,000 |
| Total loans | 190,937,000 | 192,336,000 | 196,838,000 | 202,635,000 |
| Allowance for loan losses | 1,694,000 | 1,664,000 | 1,631,000 | 1,496,000 |
| Securities available for sale | 79,007,000 | 71,819,000 | 68,562,000 | 62,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,020,000 | 233,367,000 | 238,859,000 | 246,578,000 |
| Interest-bearing deposits | 217,962,000 | 212,755,000 | 215,835,000 | 224,349,000 |
| Noninterest-bearing deposits | 21,059,000 | 20,612,000 | 23,024,000 | 22,229,000 |
| Equity capital | 24,829,000 | 24,750,000 | 25,895,000 | 25,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,913,000 | 7,885,000 | 11,889,000 | 16,028,000 |
| Interest expense | 1,645,000 | 3,382,000 | 5,167,000 | 7,075,000 |
| Net interest income | 2,268,000 | 4,503,000 | 6,722,000 | 8,953,000 |
| Noninterest income | 500,000 | 1,024,000 | 1,497,000 | 2,013,000 |
| Noninterest expense | 2,330,000 | 4,551,000 | 6,870,000 | 9,360,000 |
| Provision for loan losses | 22,000 | 23,000 | 23,000 | 23,000 |
| Pretax income | 414,000 | 944,000 | 1,317,000 | 1,876,000 |
| Income tax | 59,000 | 172,000 | 258,000 | 393,000 |
| Net income | 355,000 | 772,000 | 1,059,000 | 1,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,803,000 | 22,173,000 | 22,738,000 | 23,180,000 |
| Total capital | 23,497,000 | 23,837,000 | 24,369,000 | 24,676,000 |
| Risk-weighted assets | 185,796,000 | 184,160,000 | 187,706,000 | 191,208,000 |