Call reports 2024
PATHFINDER BANK — 2024
What PATHFINDER BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,446,298,000 | 1,437,924,000 | 1,475,182,000 | 1,469,043,000 |
| Total loans | 891,541,000 | 888,274,000 | 921,670,000 | 918,986,000 |
| Allowance for loan losses | 16,655,000 | 16,892,000 | 17,274,000 | 17,243,000 |
| Securities available for sale | 278,796,000 | 274,760,000 | 271,761,000 | 269,125,000 |
| Securities held to maturity | 173,015,000 | 166,564,000 | 161,647,000 | 158,940,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,151,767,000 | 1,104,575,000 | 1,204,524,000 | 1,211,626,000 |
| Interest-bearing deposits | 970,695,000 | 932,974,000 | 988,740,000 | 992,311,000 |
| Noninterest-bearing deposits | 181,072,000 | 171,601,000 | 215,784,000 | 219,315,000 |
| Equity capital | 141,208,000 | 142,957,000 | 139,724,000 | 140,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 18,666,000 | 37,764,000 | 59,015,000 | 78,615,000 |
| Interest expense | 8,719,000 | 17,772,000 | 26,743,000 | 35,404,000 |
| Net interest income | 9,947,000 | 19,992,000 | 32,272,000 | 43,211,000 |
| Noninterest income | 1,663,000 | 2,886,000 | 4,639,000 | 8,982,000 |
| Noninterest expense | 7,525,000 | 15,182,000 | 25,292,000 | 33,687,000 |
| Provision for loan losses | 710,000 | 1,013,000 | 10,117,000 | 11,106,000 |
| Pretax income | 3,211,000 | 6,548,000 | 1,315,000 | 7,462,000 |
| Income tax | 636,000 | 1,290,000 | 231,000 | 677,000 |
| Net income | 2,522,000 | 5,194,000 | 991,000 | 5,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 145,454,000 | 147,131,000 | 134,471,000 | 138,740,000 |
| Total capital | 158,149,000 | 159,611,000 | 147,211,000 | 151,747,000 |
| Risk-weighted assets | 1,010,695,000 | 993,111,000 | 1,013,875,000 | 1,035,557,000 |