Call reports 2013
PATHFINDER BANK — 2013
What PATHFINDER BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 505,030,000 | 494,090,000 | 491,116,000 | 503,740,000 |
| Total loans | 338,954,000 | 337,610,000 | 338,094,000 | 341,652,000 |
| Allowance for loan losses | 4,686,000 | 4,864,000 | 5,085,000 | 5,041,000 |
| Securities available for sale | 125,320,000 | 118,682,000 | 82,315,000 | 80,506,000 |
| Securities held to maturity | 0 | 0 | 32,495,000 | 34,411,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,527,000 | 402,366,000 | 402,488,000 | 411,813,000 |
| Interest-bearing deposits | 379,841,000 | 352,498,000 | 352,281,000 | 362,767,000 |
| Noninterest-bearing deposits | 50,686,000 | 49,868,000 | 50,208,000 | 49,046,000 |
| Equity capital | 44,578,000 | 43,718,000 | 44,368,000 | 46,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,769,000 | 9,528,000 | 14,239,000 | 18,994,000 |
| Interest expense | 856,000 | 1,650,000 | 2,387,000 | 3,101,000 |
| Net interest income | 3,913,000 | 7,878,000 | 11,852,000 | 15,893,000 |
| Noninterest income | 561,000 | 1,533,000 | 2,155,000 | 2,892,000 |
| Noninterest expense | 3,414,000 | 6,942,000 | 10,571,000 | 14,600,000 |
| Provision for loan losses | 324,000 | 600,000 | 816,000 | 1,032,000 |
| Pretax income | 775,000 | 1,968,000 | 2,736,000 | 3,518,000 |
| Income tax | 210,000 | 532,000 | 740,000 | 917,000 |
| Net income | 565,000 | 1,436,000 | 1,996,000 | 2,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,139,000 | 43,002,000 | 43,561,000 | 43,454,000 |
| Total capital | 46,473,000 | 47,371,000 | 48,010,000 | 47,862,000 |
| Risk-weighted assets | 330,115,000 | 331,523,000 | 338,960,000 | 338,827,000 |