Call reports 2017
PATHFINDER BANK — 2017
What PATHFINDER BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 801,465,000 | 810,548,000 | 873,688,000 | 880,516,000 |
| Total loans | 521,115,000 | 548,845,000 | 566,515,000 | 580,850,000 |
| Allowance for loan losses | 5,964,000 | 6,258,000 | 6,628,000 | 7,126,000 |
| Securities available for sale | 148,684,000 | 138,586,000 | 138,866,000 | 170,341,000 |
| Securities held to maturity | 56,134,000 | 67,193,000 | 66,200,000 | 66,196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 674,997,000 | 649,433,000 | 721,890,000 | 729,380,000 |
| Interest-bearing deposits | 584,080,000 | 560,886,000 | 632,246,000 | 634,598,000 |
| Noninterest-bearing deposits | 90,917,000 | 88,548,000 | 89,644,000 | 94,782,000 |
| Equity capital | 68,520,000 | 70,459,000 | 71,375,000 | 71,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 6,895,000 | 14,002,000 | 21,552,000 | 29,500,000 |
| Interest expense | 971,000 | 2,083,000 | 3,405,000 | 4,934,000 |
| Net interest income | 5,924,000 | 11,919,000 | 18,147,000 | 24,566,000 |
| Noninterest income | 842,000 | 1,715,000 | 2,574,000 | 3,477,000 |
| Noninterest expense | 4,921,000 | 9,857,000 | 15,085,000 | 20,897,000 |
| Provision for loan losses | 389,000 | 812,000 | 1,232,000 | 1,769,000 |
| Pretax income | 1,433,000 | 2,921,000 | 4,468,000 | 5,438,000 |
| Income tax | 346,000 | 644,000 | 1,082,000 | 1,184,000 |
| Net income | 1,059,000 | 2,211,000 | 3,302,000 | 4,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,043,000 | 68,198,000 | 69,293,000 | 71,114,000 |
| Total capital | 73,007,000 | 74,456,000 | 75,921,000 | 78,105,000 |
| Risk-weighted assets | 502,673,000 | 537,189,000 | 545,429,000 | 559,161,000 |