Call reports 2014
PATHFINDER BANK — 2014
What PATHFINDER BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 526,174,000 | 544,267,000 | 568,959,000 | 560,634,000 |
| Total loans | 348,162,000 | 358,796,000 | 374,277,000 | 387,558,000 |
| Allowance for loan losses | 4,999,000 | 5,166,000 | 5,171,000 | 5,349,000 |
| Securities available for sale | 83,295,000 | 98,752,000 | 93,777,000 | 87,708,000 |
| Securities held to maturity | 42,990,000 | 42,774,000 | 42,477,000 | 40,875,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 440,541,000 | 449,777,000 | 484,213,000 | 428,584,000 |
| Interest-bearing deposits | 383,420,000 | 392,551,000 | 390,118,000 | 360,139,000 |
| Noninterest-bearing deposits | 57,121,000 | 57,226,000 | 94,095,000 | 68,446,000 |
| Equity capital | 47,109,000 | 48,043,000 | 48,823,000 | 61,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,748,000 | 9,576,000 | 14,668,000 | 19,870,000 |
| Interest expense | 655,000 | 1,280,000 | 1,895,000 | 2,453,000 |
| Net interest income | 4,093,000 | 8,296,000 | 12,773,000 | 17,417,000 |
| Noninterest income | 770,000 | 1,552,000 | 2,351,000 | 3,144,000 |
| Noninterest expense | 3,834,000 | 7,526,000 | 11,271,000 | 15,383,000 |
| Provision for loan losses | 245,000 | 520,000 | 930,000 | 1,206,000 |
| Pretax income | 786,000 | 1,828,000 | 2,952,000 | 4,281,000 |
| Income tax | 204,000 | 501,000 | 815,000 | 1,251,000 |
| Net income | 552,000 | 1,290,000 | 2,090,000 | 2,974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,011,000 | 44,752,000 | 45,554,000 | 58,842,000 |
| Total capital | 48,582,000 | 49,520,000 | 50,480,000 | 63,831,000 |
| Risk-weighted assets | 351,250,000 | 365,764,000 | 378,653,000 | 384,425,000 |