Call reports 2023
PATHFINDER BANK — 2023
What PATHFINDER BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,405,059,000 | 1,385,601,000 | 1,393,044,000 | 1,457,153,000 |
| Total loans | 910,031,000 | 891,120,000 | 896,133,000 | 897,217,000 |
| Allowance for loan losses | 17,869,000 | 18,796,000 | 15,767,000 | 15,975,000 |
| Securities available for sale | 186,769,000 | 185,606,000 | 206,633,000 | 258,501,000 |
| Securities held to maturity | 201,666,000 | 195,923,000 | 186,015,000 | 179,639,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,155,242,000 | 1,109,916,000 | 1,135,144,000 | 1,126,400,000 |
| Interest-bearing deposits | 964,756,000 | 935,648,000 | 954,146,000 | 950,903,000 |
| Noninterest-bearing deposits | 190,485,000 | 174,268,000 | 180,998,000 | 175,497,000 |
| Equity capital | 127,785,000 | 130,572,000 | 131,270,000 | 137,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 15,091,000 | 31,762,000 | 49,512,000 | 67,884,000 |
| Interest expense | 4,603,000 | 11,008,000 | 18,128,000 | 26,837,000 |
| Net interest income | 10,488,000 | 20,754,000 | 31,384,000 | 41,047,000 |
| Noninterest income | 1,419,000 | 2,574,000 | 3,658,000 | 4,843,000 |
| Noninterest expense | 7,270,000 | 14,227,000 | 21,684,000 | 28,510,000 |
| Provision for loan losses | 692,000 | 1,875,000 | 2,675,000 | 2,991,000 |
| Pretax income | 4,018,000 | 7,335,000 | 10,745,000 | 14,502,000 |
| Income tax | 811,000 | 1,511,000 | 2,219,000 | 2,920,000 |
| Net income | 3,131,000 | 5,756,000 | 8,439,000 | 11,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 134,687,000 | 137,314,000 | 140,002,000 | 142,928,000 |
| Total capital | 146,959,000 | 149,533,000 | 153,004,000 | 155,923,000 |
| Risk-weighted assets | 975,151,000 | 970,007,000 | 1,036,454,000 | 1,035,724,000 |