Call reports 2016
PATHFINDER BANK — 2016
What PATHFINDER BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 664,638,000 | 670,285,000 | 716,426,000 | 747,955,000 |
| Total loans | 434,199,000 | 450,601,000 | 473,443,000 | 492,167,000 |
| Allowance for loan losses | 5,851,000 | 5,930,000 | 6,126,000 | 6,247,000 |
| Securities available for sale | 124,687,000 | 115,667,000 | 137,766,000 | 141,214,000 |
| Securities held to maturity | 44,423,000 | 42,126,000 | 43,958,000 | 54,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 548,293,000 | 535,096,000 | 561,477,000 | 617,092,000 |
| Interest-bearing deposits | 469,906,000 | 459,463,000 | 481,491,000 | 536,153,000 |
| Noninterest-bearing deposits | 78,387,000 | 75,633,000 | 79,987,000 | 80,940,000 |
| Equity capital | 65,378,000 | 66,551,000 | 67,588,000 | 66,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,733,000 | 11,615,000 | 17,888,000 | 24,175,000 |
| Interest expense | 669,000 | 1,341,000 | 2,100,000 | 2,924,000 |
| Net interest income | 5,064,000 | 10,274,000 | 15,788,000 | 21,251,000 |
| Noninterest income | 872,000 | 1,727,000 | 2,638,000 | 3,403,000 |
| Noninterest expense | 4,605,000 | 9,287,000 | 14,010,000 | 18,780,000 |
| Provision for loan losses | 210,000 | 360,000 | 682,000 | 953,000 |
| Pretax income | 1,201,000 | 2,543,000 | 3,927,000 | 5,407,000 |
| Income tax | 352,000 | 637,000 | 1,024,000 | 1,366,000 |
| Net income | 855,000 | 1,878,000 | 2,879,000 | 4,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,852,000 | 63,876,000 | 64,881,000 | 66,003,000 |
| Total capital | 68,203,000 | 69,408,000 | 70,810,000 | 72,098,000 |
| Risk-weighted assets | 422,435,000 | 436,866,000 | 468,481,000 | 487,448,000 |