Call reports 2010
PATHFINDER BANK — 2010
What PATHFINDER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 386,152,000 | 396,208,000 | 405,450,000 | 407,368,000 |
| Total loans | 262,216,000 | 270,286,000 | 278,439,000 | 285,306,000 |
| Allowance for loan losses | 3,280,000 | 3,455,000 | 3,582,000 | 3,648,000 |
| Securities available for sale | 79,475,000 | 93,115,000 | 83,441,000 | 84,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,774,000 | 316,734,000 | 330,579,000 | 328,091,000 |
| Interest-bearing deposits | 286,719,000 | 286,174,000 | 299,892,000 | 296,662,000 |
| Noninterest-bearing deposits | 29,055,000 | 30,560,000 | 30,687,000 | 31,430,000 |
| Equity capital | 33,897,000 | 35,055,000 | 35,189,000 | 34,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,493,000 | 9,010,000 | 13,633,000 | 18,261,000 |
| Interest expense | 1,151,000 | 2,318,000 | 3,489,000 | 4,644,000 |
| Net interest income | 3,342,000 | 6,692,000 | 10,144,000 | 13,617,000 |
| Noninterest income | 645,000 | 1,239,000 | 1,823,000 | 2,462,000 |
| Noninterest expense | 2,773,000 | 5,603,000 | 8,491,000 | 11,398,000 |
| Provision for loan losses | 263,000 | 525,000 | 788,000 | 1,050,000 |
| Pretax income | 963,000 | 1,832,000 | 2,861,000 | 3,843,000 |
| Income tax | 287,000 | 548,000 | 857,000 | 1,105,000 |
| Net income | 676,000 | 1,284,000 | 2,004,000 | 2,738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,076,000 | 31,623,000 | 31,706,000 | 32,440,000 |
| Total capital | 34,230,000 | 34,829,000 | 35,046,000 | 35,837,000 |
| Risk-weighted assets | 247,615,000 | 256,234,000 | 262,754,000 | 264,960,000 |