Call reports 2009
PATHFINDER BANK — 2009
What PATHFINDER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 361,482,000 | 346,719,000 | 369,688,000 | 370,776,000 |
| Total loans | 247,160,000 | 250,189,000 | 254,427,000 | 262,467,000 |
| Allowance for loan losses | 2,553,000 | 2,772,000 | 2,960,000 | 3,077,000 |
| Securities available for sale | 74,068,000 | 64,574,000 | 62,878,000 | 69,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,564,000 | 281,943,000 | 300,238,000 | 298,772,000 |
| Interest-bearing deposits | 266,928,000 | 255,848,000 | 273,417,000 | 271,428,000 |
| Noninterest-bearing deposits | 26,637,000 | 26,095,000 | 26,821,000 | 27,344,000 |
| Equity capital | 24,969,000 | 24,653,000 | 31,844,000 | 32,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,459,000 | 8,940,000 | 13,377,000 | 17,959,000 |
| Interest expense | 1,673,000 | 3,202,000 | 4,563,000 | 5,879,000 |
| Net interest income | 2,786,000 | 5,738,000 | 8,814,000 | 12,080,000 |
| Noninterest income | 655,000 | 1,245,000 | 1,892,000 | 2,518,000 |
| Noninterest expense | 2,523,000 | 5,273,000 | 8,040,000 | 10,854,000 |
| Provision for loan losses | 135,000 | 407,000 | 654,000 | 876,000 |
| Pretax income | 870,000 | 1,092,000 | 2,033,000 | 2,984,000 |
| Income tax | 242,000 | 374,000 | 695,000 | 1,152,000 |
| Net income | 628,000 | 718,000 | 1,338,000 | 1,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,482,000 | 22,919,000 | 29,381,000 | 30,399,000 |
| Total capital | 26,035,000 | 25,691,000 | 32,341,000 | 33,405,000 |
| Risk-weighted assets | 231,183,000 | 225,711,000 | 239,089,000 | 239,538,000 |