Call reports 2019
PATHFINDER BANK — 2019
What PATHFINDER BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 972,171,000 | 1,009,422,000 | 1,052,290,000 | 1,090,000,000 |
| Total loans | 657,599,000 | 692,833,000 | 725,910,000 | 781,461,000 |
| Allowance for loan losses | 7,284,000 | 7,825,000 | 8,330,000 | 8,669,000 |
| Securities available for sale | 155,087,000 | 117,314,000 | 119,787,000 | 110,919,000 |
| Securities held to maturity | 78,861,000 | 95,324,000 | 114,349,000 | 122,988,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 809,239,000 | 831,140,000 | 882,300,000 | 898,403,000 |
| Interest-bearing deposits | 706,781,000 | 714,510,000 | 750,348,000 | 776,398,000 |
| Noninterest-bearing deposits | 102,458,000 | 116,630,000 | 131,952,000 | 122,005,000 |
| Equity capital | 76,564,000 | 78,846,000 | 80,625,000 | 88,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,685,000 | 19,841,000 | 30,609,000 | 41,898,000 |
| Interest expense | 2,905,000 | 6,090,000 | 9,402,000 | 12,667,000 |
| Net interest income | 6,780,000 | 13,751,000 | 21,207,000 | 29,231,000 |
| Noninterest income | 920,000 | 1,995,000 | 3,011,000 | 4,007,000 |
| Noninterest expense | 6,607,000 | 13,009,000 | 19,101,000 | 25,117,000 |
| Provision for loan losses | 144,000 | 754,000 | 1,354,000 | 1,966,000 |
| Pretax income | 1,028,000 | 2,094,000 | 3,995,000 | 6,484,000 |
| Income tax | 315,000 | 543,000 | 933,000 | 1,399,000 |
| Net income | 693,000 | 1,537,000 | 3,058,000 | 5,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,329,000 | 77,177,000 | 78,701,000 | 86,424,000 |
| Total capital | 83,613,000 | 85,002,000 | 87,031,000 | 95,093,000 |
| Risk-weighted assets | 652,315,000 | 691,168,000 | 719,483,000 | 774,177,000 |