Call reports 2007
PATHFINDER BANK — 2007
What PATHFINDER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 317,140,000 | 304,283,000 | 313,832,000 | 320,371,000 |
| Total loans | 204,127,000 | 204,973,000 | 215,059,000 | 221,918,000 |
| Allowance for loan losses | 1,481,000 | 1,561,000 | 1,645,000 | 1,703,000 |
| Securities available for sale | 73,845,000 | 69,138,000 | 65,129,000 | 64,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,259,000 | 255,935,000 | 257,083,000 | 252,148,000 |
| Interest-bearing deposits | 243,411,000 | 232,847,000 | 235,917,000 | 229,087,000 |
| Noninterest-bearing deposits | 23,847,000 | 23,088,000 | 21,167,000 | 23,062,000 |
| Equity capital | 24,979,000 | 25,028,000 | 25,662,000 | 26,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,305,000 | 8,633,000 | 12,986,000 | 17,427,000 |
| Interest expense | 2,025,000 | 4,038,000 | 6,091,000 | 8,135,000 |
| Net interest income | 2,280,000 | 4,595,000 | 6,895,000 | 9,292,000 |
| Noninterest income | 517,000 | 1,134,000 | 1,722,000 | 2,350,000 |
| Noninterest expense | 2,377,000 | 4,854,000 | 7,189,000 | 9,544,000 |
| Provision for loan losses | 50,000 | 125,000 | 280,000 | 365,000 |
| Pretax income | 367,000 | 746,000 | 1,256,000 | 2,112,000 |
| Income tax | 79,000 | 166,000 | 285,000 | 469,000 |
| Net income | 288,000 | 580,000 | 971,000 | 1,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,493,000 | 22,985,000 | 23,372,000 | 23,744,000 |
| Total capital | 23,974,000 | 24,546,000 | 25,017,000 | 25,447,000 |
| Risk-weighted assets | 194,909,000 | 194,874,000 | 203,615,000 | 208,095,000 |