Call reports 2022
PATHFINDER BANK — 2022
What PATHFINDER BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,329,120,000 | 1,365,558,000 | 1,402,844,000 | 1,404,490,000 |
| Total loans | 855,632,000 | 866,299,000 | 886,216,000 | 897,764,000 |
| Allowance for loan losses | 13,017,000 | 13,078,000 | 13,632,000 | 15,319,000 |
| Securities available for sale | 197,906,000 | 202,951,000 | 191,290,000 | 191,511,000 |
| Securities held to maturity | 167,996,000 | 181,532,000 | 195,930,000 | 194,402,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,127,783,000 | 1,150,328,000 | 1,192,656,000 | 1,136,758,000 |
| Interest-bearing deposits | 910,428,000 | 946,087,000 | 994,521,000 | 943,418,000 |
| Noninterest-bearing deposits | 217,355,000 | 204,241,000 | 198,135,000 | 193,340,000 |
| Equity capital | 121,452,000 | 120,918,000 | 121,380,000 | 126,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 11,057,000 | 22,760,000 | 36,195,000 | 51,305,000 |
| Interest expense | 1,103,000 | 2,402,000 | 4,562,000 | 7,955,000 |
| Net interest income | 9,954,000 | 20,358,000 | 31,633,000 | 43,350,000 |
| Noninterest income | 1,402,000 | 2,638,000 | 3,874,000 | 5,656,000 |
| Noninterest expense | 7,037,000 | 13,922,000 | 20,913,000 | 27,466,000 |
| Provision for loan losses | 101,000 | 161,000 | 871,000 | 2,754,000 |
| Pretax income | 4,212,000 | 8,943,000 | 13,554,000 | 18,617,000 |
| Income tax | 820,000 | 1,728,000 | 2,627,000 | 3,184,000 |
| Net income | 3,347,000 | 7,154,000 | 10,854,000 | 15,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,862,000 | 125,672,000 | 129,304,000 | 133,684,000 |
| Total capital | 132,741,000 | 137,313,000 | 141,354,000 | 145,760,000 |
| Risk-weighted assets | 868,158,000 | 929,805,000 | 962,407,000 | 962,861,000 |