Call reports 2020
PATHFINDER BANK — 2020
What PATHFINDER BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,102,441,000 | 1,162,807,000 | 1,196,978,000 | 1,222,485,000 |
| Total loans | 750,532,000 | 806,020,000 | 820,319,000 | 825,505,000 |
| Allowance for loan losses | 9,606,000 | 10,553,000 | 12,103,000 | 12,777,000 |
| Securities available for sale | 121,242,000 | 115,901,000 | 119,681,000 | 128,046,000 |
| Securities held to maturity | 120,549,000 | 141,311,000 | 164,460,000 | 171,224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 909,821,000 | 980,004,000 | 1,007,461,000 | 1,022,906,000 |
| Interest-bearing deposits | 787,171,000 | 811,664,000 | 842,059,000 | 834,645,000 |
| Noninterest-bearing deposits | 122,651,000 | 168,340,000 | 165,403,000 | 188,261,000 |
| Equity capital | 91,157,000 | 95,447,000 | 98,101,000 | 106,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 11,077,000 | 21,621,000 | 32,157,000 | 42,656,000 |
| Interest expense | 3,058,000 | 5,740,000 | 7,725,000 | 9,765,000 |
| Net interest income | 8,019,000 | 15,881,000 | 24,432,000 | 32,891,000 |
| Noninterest income | 1,808,000 | 2,914,000 | 4,157,000 | 4,685,000 |
| Noninterest expense | 6,032,000 | 11,615,000 | 17,651,000 | 24,297,000 |
| Provision for loan losses | 1,067,000 | 2,213,000 | 3,895,000 | 4,707,000 |
| Pretax income | 2,754,000 | 4,724,000 | 6,956,000 | 9,533,000 |
| Income tax | 558,000 | 943,000 | 1,386,000 | 1,555,000 |
| Net income | 2,126,000 | 3,726,000 | 5,469,000 | 7,882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,553,000 | 95,157,000 | 96,872,000 | 104,287,000 |
| Total capital | 103,118,000 | 105,603,000 | 107,746,000 | 115,289,000 |
| Risk-weighted assets | 765,152,000 | 835,605,000 | 868,728,000 | 878,380,000 |