Call reports 2021
PATHFINDER BANK — 2021
What PATHFINDER BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,301,101,000 | 1,253,938,000 | 1,257,968,000 | 1,281,614,000 |
| Total loans | 865,317,000 | 834,962,000 | 788,158,000 | 832,469,000 |
| Allowance for loan losses | 13,693,000 | 14,603,000 | 14,065,000 | 12,935,000 |
| Securities available for sale | 158,865,000 | 157,343,000 | 175,307,000 | 190,378,000 |
| Securities held to maturity | 165,613,000 | 162,432,000 | 161,736,000 | 160,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,095,271,000 | 1,047,039,000 | 1,061,310,000 | 1,070,076,000 |
| Interest-bearing deposits | 872,134,000 | 849,043,000 | 841,001,000 | 864,593,000 |
| Noninterest-bearing deposits | 223,138,000 | 197,996,000 | 220,309,000 | 205,482,000 |
| Equity capital | 109,924,000 | 113,896,000 | 117,503,000 | 121,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 11,019,000 | 23,107,000 | 34,755,000 | 46,014,000 |
| Interest expense | 1,825,000 | 3,268,000 | 4,698,000 | 5,743,000 |
| Net interest income | 9,194,000 | 19,839,000 | 30,057,000 | 40,271,000 |
| Noninterest income | 1,263,000 | 2,707,000 | 4,073,000 | 5,359,000 |
| Noninterest expense | 6,183,000 | 12,987,000 | 19,635,000 | 26,664,000 |
| Provision for loan losses | 1,028,000 | 1,957,000 | 2,061,000 | 1,022,000 |
| Pretax income | 3,469,000 | 7,940,000 | 12,877,000 | 18,368,000 |
| Income tax | 697,000 | 1,682,000 | 2,815,000 | 4,027,000 |
| Net income | 2,734,000 | 6,204,000 | 9,968,000 | 14,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,027,000 | 110,470,000 | 114,237,000 | 118,511,000 |
| Total capital | 118,007,000 | 120,708,000 | 124,366,000 | 129,166,000 |
| Risk-weighted assets | 875,652,000 | 814,675,000 | 806,353,000 | 850,157,000 |