Call reports 2011
PATHFINDER BANK — 2011
What PATHFINDER BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 411,993,000 | 418,131,000 | 419,904,000 | 442,654,000 |
| Total loans | 286,595,000 | 289,507,000 | 294,313,000 | 304,770,000 |
| Allowance for loan losses | 3,767,000 | 4,006,000 | 4,003,000 | 3,980,000 |
| Securities available for sale | 88,540,000 | 89,598,000 | 85,279,000 | 99,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,178,000 | 345,444,000 | 345,490,000 | 368,663,000 |
| Interest-bearing deposits | 308,061,000 | 306,806,000 | 306,284,000 | 330,154,000 |
| Noninterest-bearing deposits | 34,117,000 | 38,638,000 | 39,205,000 | 38,509,000 |
| Equity capital | 35,195,000 | 36,676,000 | 42,485,000 | 41,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,610,000 | 9,329,000 | 14,058,000 | 18,722,000 |
| Interest expense | 1,062,000 | 2,128,000 | 3,161,000 | 4,177,000 |
| Net interest income | 3,548,000 | 7,201,000 | 10,897,000 | 14,545,000 |
| Noninterest income | 589,000 | 1,125,000 | 1,561,000 | 2,090,000 |
| Noninterest expense | 3,224,000 | 6,535,000 | 9,597,000 | 12,760,000 |
| Provision for loan losses | 263,000 | 525,000 | 670,000 | 940,000 |
| Pretax income | 677,000 | 1,589,000 | 2,982,000 | 3,726,000 |
| Income tax | 203,000 | 477,000 | 910,000 | 1,152,000 |
| Net income | 474,000 | 1,112,000 | 2,072,000 | 2,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,915,000 | 33,554,000 | 39,414,000 | 39,917,000 |
| Total capital | 36,297,000 | 37,011,000 | 42,882,000 | 43,670,000 |
| Risk-weighted assets | 263,366,000 | 267,945,000 | 270,971,000 | 292,325,000 |