PATHFINDER BANCORP, INC. PBHC Balance Sheet

Pathfinder bancorp, inc. (PBHC)

Balance Sheet / Yearly

Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Dec'13
ASSETS:
Cash and due from banks
8,284	19,849	38,739	8,193	9,610	10,595	8,787	8,468	9,708	9,025	9,166	8,374	6,968	9,630	12,296	13,637	9,624	9,564	7,182	7,955	6,822	7,432	6,535
Interest-earning deposits (including restricted balances of $0 and $3,993, respectively)
11,876	19,924	11,603	16,623	16,706	25,379	27,953	9,811	12,283	52,193	6,158	28,245	15,451	14,033	12,800	12,018	5,621	7,810	10,228	15,098	4,534	17,550	10,040
Total cash and cash equivalents
20,160	39,773	50,342	24,816	26,316	35,974	36,740	-	21,991	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Available-for-sale securities, at fair value
111,134	120,002	117,530	155,302	177,664	-	-	-	171,138	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total cash and cash equivalents
-	-	-	-	-	-	-	18,279	-	61,218	15,324	36,619	22,419	23,663	25,096	25,655	15,245	17,374	17,410	23,053	11,356	24,982	16,575
Interest earning time deposits
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	500	500
Available-for-sale securities, at fair value
-	-	-	-	-	188,953	184,030	158,799	-	139,619	139,281	149,422	141,955	137,717	116,395	125,329	98,942	98,007	102,361	114,615	88,073	94,135	80,959
Held-to-maturity securities, at amortized cost (fair value of $124,148 and $53,769, respectively)
122,988	114,349	95,324	78,861	53,908	26,084	26,647	63,952	66,196	66,216	67,193	56,135	54,645	44,757	42,126	44,423	44,297	43,534	43,893	45,278	40,875	42,477	34,412
Marketable equity securities, at fair value
534	514	510	494	453	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Marketable equity securities, at fair value
-	-	-	-	-	541	541	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Marketable equity securities, at fair value
-	-	-	-	-	-	-	528	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Federal Home Loan Bank stock, at cost
4,834	4,210	4,443	4,088	5,937	4,187	4,388	3,405	3,855	3,898	4,450	2,985	3,250	4,290	4,036	2,635	2,424	1,881	3,356	2,595	3,454	1,829	2,440
Loans
745,516	725,900	692,823	657,590	620,270	620,859	607,185	608,049	580,831	566,496	548,825	521,094	492,147	473,423	450,581	434,179	430,438	414,795	403,411	390,613	387,538	374,257	341,633
Loans held-for-sale
35,935	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Less: Allowance for loan losses
8,669	8,330	7,825	7,284	7,306	7,804	7,605	7,451	7,126	6,628	6,258	5,964	6,247	6,126	5,930	5,851	5,706	5,732	5,900	5,462	5,349	5,171	5,041
Loans receivable, net
772,782	717,570	-	-	612,964	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans receivable, net
-	-	684,998	650,306	-	613,055	599,580	600,598	573,705	559,868	542,567	515,130	485,900	467,297	444,651	428,328	424,732	409,063	397,511	385,151	382,189	369,086	336,592
Premises and equipment, net
22,699	22,411	22,247	21,539	20,623	17,418	16,692	16,790	16,117	16,051	15,782	15,724	15,177	15,020	14,880	14,914	14,834	14,091	13,238	13,299	13,200	12,945	11,644
Operating lease right-of-use assets
2,386	2,422	2,458	2,462	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Accrued interest receivable
3,712	3,313	3,339	3,364	3,068	2,915	2,725	3,000	3,047	2,638	2,679	2,711	2,532	2,316	2,069	2,238	2,053	2,082	1,966	2,064	1,849	1,865	1,715
Foreclosed real estate
88	148	591	623	1,173	268	97	108	468	671	678	694	597	655	506	659	517	472	361	465	261	440	619
Intangible assets, net
149	153	157	161	165	169	173	178	182	186	190	194	198	202	206	210	214	218	222	226	175	178	187
Goodwill
4,536	4,536	4,536	4,536	4,536	4,536	4,536	4,536	4,536	4,536	4,536	4,536	4,536	4,536	4,536	4,536	4,536	4,536	4,536	4,536	4,367	4,367	4,367
Bank owned life insurance
17,403	17,296	17,163	17,062	16,941	16,833	16,695	11,815	11,742	11,683	11,591	11,529	11,458	11,391	11,297	10,695	10,615	10,621	10,506	10,441	10,356	10,238	8,268
Other assets
10,402	9,423	9,218	11,458	9,367	10,682	10,638	9,149	8,280	8,020	6,950	6,666	6,367	5,286	5,173	5,704	4,845	5,319	4,965	5,052	4,869	6,992	5,515
Total assets
1,093,807	1,056,120	1,012,856	975,072	933,115	921,615	903,482	891,137	881,257	874,604	811,221	802,345	749,034	717,130	670,971	665,326	623,254	607,198	600,325	606,775	561,024	570,034	503,793
LIABILITIES AND SHAREHOLDERS' EQUITY:
Deposits:
Interest-bearing
774,392	748,384	713,475	705,734	623,936	662,343	624,718	652,603	633,820	631,619	560,080	583,471	535,701	480,969	458,104	468,880	428,636	430,456	397,923	417,398	360,906	390,928	361,969
Noninterest-bearing
107,501	111,225	95,162	99,794	103,124	93,861	108,451	91,202	89,783	84,808	83,763	86,061	75,282	74,156	67,964	70,478	61,679	65,886	59,652	65,808	54,662	92,101	48,171
Total deposits
881,893	859,609	808,637	805,528	727,060	756,204	733,169	743,805	723,603	716,427	643,843	669,532	610,983	555,125	526,068	539,358	490,315	496,342	457,575	483,206	415,568	483,029	410,140
Short-term borrowings
25,138	18,238	29,000	13,000	39,000	2,000	26,600	20,600	30,600	34,036	41,536	20,921	41,947	65,100	49,950	29,500	24,800	15,225	48,000	32,000	55,100	14,000	24,000
Long-term borrowings
67,987	61,014	60,434	64,434	79,534	77,636	57,503	43,288	43,288	40,760	43,160	32,100	17,000	17,000	13,500	-	16,500	-	-	-	-	-	-
Long-term borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16,500	-	14,000	14,000	11,000	11,000	17,021	16,853
Subordinated loans
15,128	15,119	15,111	15,102	15,094	15,085	15,076	15,068	15,059	15,051	15,042	15,033	15,025	15,016	15,008	14,999	14,991	5,155	5,155	5,155	5,155	5,155	5,155
Accrued interest payable
396	468	446	471	304	326	255	218	186	178	106	96	75	76	39	66	199	50	60	74	63	73	86
Operating lease liabilities
2,650	2,681	2,711	2,711	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other liabilities
9,946	9,800	8,673	7,388	7,664	6,801	8,010	5,720	6,377	5,763	6,003	4,825	5,643	5,539	6,283	5,711	5,220	5,246	5,461	5,370	4,934	5,387	4,489
Total liabilities
1,003,138	966,929	925,012	908,634	868,656	858,052	840,613	828,699	819,113	812,215	749,690	742,507	690,673	657,856	610,848	606,134	552,025	536,018	530,251	536,805	491,820	524,665	460,723
Shareholders' equity:
Preferred stock, par value $0.01 per share; no liquidation preference; 10,000,000 and 0 shares authorized, respectively; 1,155,283 and 0 shares issued and outstanding, respectively
12	12	12	-	-	-	-	-	-	-	-	-	-	0	0	0	13,000	13,000	13,000	13,000	13,000	13,000	13,000
Common stock, par value $0.01; 25,000,000 authorized shares; 4,709,238 and 4,362,328 shares issued and outstanding, respectively
47	47	47	44	44	44	43	43	43	43	43	43	43	43	44	44	44	44	44	44	44	30	30
Additional paid in capital
49,362	49,236	49,125	29,454	29,139	28,933	28,629	28,384	28,170	28,070	27,823	27,676	27,483	27,320	28,870	28,769	28,717	28,659	28,614	28,570	28,534	8,334	8,226
Retained earnings
44,839	43,332	42,389	42,133	42,114	41,270	40,540	39,829	39,020	37,601	36,922	36,216	35,619	34,862	34,244	33,621	33,183	32,642	31,996	31,458	31,085	30,407	28,788
Accumulated other comprehensive loss
-2,971	-2,766	-3,024	-4,462	-6,042	-5,848	-5,471	-5,012	-4,208	-2,551	-2,420	-3,207	-3,822	-1,942	-1,985	-2,131	-2,565	-1,960	-2,319	-1,815	-2,119	-1,330	-1,745
Unearned ESOP
855	899	944	989	1,034	1,079	1,124	1,169	1,214	1,259	1,304	1,349	1,394	1,439	1,484	1,529	1,574	1,619	1,664	1,709	1,754	743	826
Treasury stock, at cost; 0 and 356,787 shares respectively
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4,735	4,761
Total Pathfinder Bancorp, Inc. shareholders' equity
90,434	88,962	87,605	66,180	64,221	63,320	62,617	62,075	61,811	61,904	61,064	59,379	57,929	58,844	59,689	58,774	70,805	70,766	69,671	69,548	68,790	44,963	42,712
Noncontrolling interest
235	229	239	258	238	243	252	363	333	485	467	459	432	430	434	418	424	414	403	422	414	406	358
Total equity
90,669	89,191	87,844	66,438	64,459	63,563	62,869	62,438	62,144	62,389	61,531	59,838	58,361	59,274	60,123	59,192	71,229	71,180	70,074	69,970	69,204	45,369	43,070
Total liabilities and shareholders' equity
1,093,807	1,056,120	1,012,856	975,072	933,115	921,615	903,482	891,137	881,257	874,604	811,221	802,345	749,034	717,130	670,971	665,326	623,254	607,198	600,325	606,775	561,024	570,034	503,793