Call reports 2012
PATHFINDER BANK — 2012
What PATHFINDER BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 467,840,000 | 474,049,000 | 480,699,000 | 477,383,000 |
| Total loans | 304,013,000 | 312,588,000 | 324,160,000 | 333,758,000 |
| Allowance for loan losses | 4,112,000 | 4,213,000 | 4,433,000 | 4,501,000 |
| Securities available for sale | 126,811,000 | 123,031,000 | 113,645,000 | 107,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,637,000 | 400,861,000 | 395,369,000 | 393,814,000 |
| Interest-bearing deposits | 355,523,000 | 360,003,000 | 350,772,000 | 348,685,000 |
| Noninterest-bearing deposits | 41,114,000 | 40,858,000 | 44,597,000 | 45,129,000 |
| Equity capital | 41,910,000 | 44,125,000 | 45,449,000 | 44,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,702,000 | 9,429,000 | 14,113,000 | 18,916,000 |
| Interest expense | 973,000 | 1,926,000 | 2,849,000 | 3,739,000 |
| Net interest income | 3,729,000 | 7,503,000 | 11,264,000 | 15,177,000 |
| Noninterest income | 509,000 | 1,130,000 | 1,702,000 | 2,312,000 |
| Noninterest expense | 3,347,000 | 6,620,000 | 9,729,000 | 13,181,000 |
| Provision for loan losses | 225,000 | 375,000 | 650,000 | 825,000 |
| Pretax income | 778,000 | 1,799,000 | 2,766,000 | 3,858,000 |
| Income tax | 195,000 | 451,000 | 692,000 | 1,002,000 |
| Net income | 583,000 | 1,348,000 | 2,074,000 | 2,856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,501,000 | 41,267,000 | 41,993,000 | 41,574,000 |
| Total capital | 44,413,000 | 45,299,000 | 46,166,000 | 45,763,000 |
| Risk-weighted assets | 302,127,000 | 311,006,000 | 319,431,000 | 322,594,000 |