Call reports 2008
PATHFINDER BANK — 2008
What PATHFINDER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 336,778,000 | 345,840,000 | 352,652,000 | 350,050,000 |
| Total loans | 222,594,000 | 232,160,000 | 242,386,000 | 249,036,000 |
| Allowance for loan losses | 1,850,000 | 1,987,000 | 2,242,000 | 2,473,000 |
| Securities available for sale | 75,652,000 | 78,597,000 | 74,554,000 | 71,647,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,975,000 | 268,553,000 | 266,754,000 | 270,041,000 |
| Interest-bearing deposits | 247,146,000 | 239,554,000 | 239,494,000 | 243,567,000 |
| Noninterest-bearing deposits | 25,829,000 | 28,999,000 | 27,260,000 | 26,474,000 |
| Equity capital | 26,297,000 | 25,636,000 | 25,489,000 | 24,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,564,000 | 9,106,000 | 13,812,000 | 18,528,000 |
| Interest expense | 2,006,000 | 3,817,000 | 5,633,000 | 7,412,000 |
| Net interest income | 2,558,000 | 5,289,000 | 8,179,000 | 11,116,000 |
| Noninterest income | 581,000 | 1,176,000 | 1,696,000 | 2,415,000 |
| Noninterest expense | 2,423,000 | 4,801,000 | 7,113,000 | 9,675,000 |
| Provision for loan losses | 145,000 | 280,000 | 550,000 | 820,000 |
| Pretax income | 571,000 | 1,042,000 | 61,000 | 846,000 |
| Income tax | 153,000 | 255,000 | 54,000 | 202,000 |
| Net income | 418,000 | 787,000 | 7,000 | 644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,958,000 | 23,333,000 | 23,197,000 | 23,152,000 |
| Total capital | 24,808,000 | 25,320,000 | 25,439,000 | 25,625,000 |
| Risk-weighted assets | 214,980,000 | 226,810,000 | 232,474,000 | 236,804,000 |