Call reports 2005
PATHWAY BANK — 2005
What PATHWAY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 74,647,000 | 76,540,000 | 74,303,000 | 82,579,000 |
| Total loans | 41,709,000 | 42,606,000 | 46,194,000 | 47,780,000 |
| Allowance for loan losses | 1,757,000 | 1,596,000 | 1,590,000 | 1,643,000 |
| Securities available for sale | 14,150,000 | 14,511,000 | 14,533,000 | 13,969,000 |
| Securities held to maturity | 7,778,000 | 8,008,000 | 8,091,000 | 8,090,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,930,000 | 65,082,000 | 62,596,000 | 65,782,000 |
| Interest-bearing deposits | 57,905,000 | 59,822,000 | 57,815,000 | 60,260,000 |
| Noninterest-bearing deposits | 5,025,000 | 5,260,000 | 4,781,000 | 5,522,000 |
| Equity capital | 11,526,000 | 11,254,000 | 11,464,000 | 11,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 920,000 | 1,876,000 | 2,928,000 | 4,129,000 |
| Interest expense | 294,000 | 634,000 | 1,002,000 | 1,427,000 |
| Net interest income | 626,000 | 1,242,000 | 1,926,000 | 2,702,000 |
| Noninterest income | 31,000 | 21,000 | 161,000 | 222,000 |
| Noninterest expense | 348,000 | 792,000 | 1,277,000 | 1,869,000 |
| Provision for loan losses | 188,000 | 188,000 | 188,000 | 188,000 |
| Pretax income | 121,000 | 285,000 | 624,000 | 869,000 |
| Income tax | 48,000 | 35,000 | 136,000 | 232,000 |
| Net income | 73,000 | 250,000 | 488,000 | 637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,661,000 | 11,381,000 | 11,618,000 | 11,768,000 |
| Total capital | 12,293,000 | 12,026,000 | 12,302,000 | 12,496,000 |
| Risk-weighted assets | 49,452,000 | 50,757,000 | 53,844,000 | 57,348,000 |