Call reports 2015
PATHFINDER BANK — 2015
What PATHFINDER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 606,359,000 | 599,871,000 | 606,450,000 | 622,531,000 |
| Total loans | 390,633,000 | 403,430,000 | 414,815,000 | 430,458,000 |
| Allowance for loan losses | 5,462,000 | 5,900,000 | 5,732,000 | 5,706,000 |
| Securities available for sale | 114,213,000 | 101,999,000 | 97,333,000 | 98,296,000 |
| Securities held to maturity | 45,320,000 | 43,893,000 | 43,535,000 | 44,297,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 495,997,000 | 470,914,000 | 508,590,000 | 512,211,000 |
| Interest-bearing deposits | 412,359,000 | 399,308,000 | 431,096,000 | 429,313,000 |
| Noninterest-bearing deposits | 83,637,000 | 71,606,000 | 77,495,000 | 82,897,000 |
| Equity capital | 62,196,000 | 62,442,000 | 63,736,000 | 64,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,118,000 | 10,447,000 | 15,936,000 | 21,562,000 |
| Interest expense | 543,000 | 1,126,000 | 1,737,000 | 2,357,000 |
| Net interest income | 4,575,000 | 9,321,000 | 14,199,000 | 19,205,000 |
| Noninterest income | 754,000 | 1,604,000 | 2,628,000 | 3,488,000 |
| Noninterest expense | 4,144,000 | 8,301,000 | 12,778,000 | 17,221,000 |
| Provision for loan losses | 383,000 | 784,000 | 1,004,000 | 1,350,000 |
| Pretax income | 854,000 | 1,941,000 | 3,233,000 | 4,544,000 |
| Income tax | 253,000 | 569,000 | 908,000 | 1,235,000 |
| Net income | 593,000 | 1,349,000 | 2,292,000 | 3,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,357,000 | 60,115,000 | 61,060,000 | 62,038,000 |
| Total capital | 64,549,000 | 65,169,000 | 66,189,000 | 67,286,000 |
| Risk-weighted assets | 400,721,000 | 389,021,000 | 396,293,000 | 414,842,000 |