Call reports 2018
PATHFINDER BANK — 2018
What PATHFINDER BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 890,223,000 | 902,560,000 | 920,533,000 | 930,533,000 |
| Total loans | 608,069,000 | 607,203,000 | 620,869,000 | 620,280,000 |
| Allowance for loan losses | 7,451,000 | 7,605,000 | 7,804,000 | 7,306,000 |
| Securities available for sale | 158,583,000 | 183,804,000 | 188,737,000 | 177,448,000 |
| Securities held to maturity | 63,952,000 | 26,647,000 | 26,084,000 | 53,908,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 749,082,000 | 738,471,000 | 761,206,000 | 731,010,000 |
| Interest-bearing deposits | 653,151,000 | 625,487,000 | 662,948,000 | 624,831,000 |
| Noninterest-bearing deposits | 95,931,000 | 112,984,000 | 98,258,000 | 106,178,000 |
| Equity capital | 71,985,000 | 72,720,000 | 73,380,000 | 74,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 8,238,000 | 16,784,000 | 25,637,000 | 34,944,000 |
| Interest expense | 1,613,000 | 3,448,000 | 5,670,000 | 8,197,000 |
| Net interest income | 6,625,000 | 13,336,000 | 19,967,000 | 26,747,000 |
| Noninterest income | 927,000 | 1,900,000 | 2,843,000 | 3,792,000 |
| Noninterest expense | 5,370,000 | 11,398,000 | 17,264,000 | 23,228,000 |
| Provision for loan losses | 613,000 | 910,000 | 1,201,000 | 1,497,000 |
| Pretax income | 1,462,000 | 2,798,000 | 4,156,000 | 5,632,000 |
| Income tax | 231,000 | 424,000 | 756,000 | 886,000 |
| Net income | 1,201,000 | 2,388,000 | 3,423,000 | 4,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,285,000 | 73,482,000 | 74,523,000 | 75,871,000 |
| Total capital | 79,678,000 | 80,812,000 | 82,073,000 | 83,177,000 |
| Risk-weighted assets | 591,413,000 | 586,155,000 | 603,720,000 | 607,414,000 |