Pathfinder bancorp, inc. (PBHC)
Income statement / TTM
Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Sep'13
Interest and dividend income:
Loans, including fees

34,035

32,091

30,487

29,283

28,426

27,440

26,518

25,369

24,392

23,237

22,342

21,520

20,703

20,168

19,471

18,975

18,450

18,066

17,711

17,264

16,928

16,568

0

0

0

Debt securities:
Taxable

6,962

6,736

6,314

5,830

5,159

4,668

4,291

3,945

3,598

3,177

2,796

2,552

2,327

2,245

2,174

2,109

2,012

1,949

1,903

1,853

1,815

1,759

0

0

0

Tax-exempt

178

282

414

580

720

897

942

1,037

1,038

1,012

1,035

923

865

792

767

757

763

770

780

784

782

774

0

0

0

Dividends

279

283

281

268

259

262

254

243

229

205

185

161

134

155

162

176

178

184

179

156

160

114

0

0

0

Interest earning time deposits

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

0

Federal funds sold and interest earning deposits

304

373

366

309

246

214

179

158

156

120

111

95

64

56

40

33

21

13

10

6

7

8

0

0

0

Total interest and dividend income

41,758

39,765

37,862

36,270

34,810

33,481

32,184

30,752

29,413

27,751

26,469

25,251

24,093

23,416

22,614

22,050

21,424

20,985

20,588

20,070

19,699

19,232

0

0

0

Interest expense:
Interest on deposits

10,713

9,992

8,986

7,812

6,812

5,978

5,155

4,484

3,904

3,358

2,954

2,631

2,441

2,285

2,181

2,092

1,962

1,887

1,858

1,872

1,956

2,110

0

0

0

Interest on short-term borrowings

377

331

283

295

221

488

582

795

997

877

828

574

301

162

117

123

138

147

134

120

102

91

0

0

0

Interest on long-term borrowings

1,575

1,607

1,567

1,383

1,165

885

725

650

595

492

375

318

270

273

274

268

257

139

226

309

395

595

0

0

0

Interest on subordinated loans

863

867

867

860

846

832

817

804

794

786

778

782

792

776

624

463

300

0

0

0

-

-

-

-

-

Total interest expense

13,528

12,797

11,703

10,350

9,044

8,183

7,279

6,733

6,290

5,513

4,935

4,305

3,804

3,496

3,196

2,946

2,657

2,455

2,459

2,502

2,614

2,796

0

0

0

Net interest income

28,230

26,968

26,159

25,920

25,766

25,298

24,905

24,019

23,123

22,238

21,534

20,946

20,289

19,920

19,418

19,104

18,767

18,530

18,129

17,568

17,085

16,436

0

0

0

Provision for loan losses

1,966

1,650

1,341

1,028

1,497

1,738

1,867

1,993

1,769

1,503

1,405

1,132

953

1,027

925

1,176

1,349

1,279

1,469

1,343

1,205

1,146

0

0

0

Net interest income after provision for loan losses

26,264

25,318

24,818

24,892

24,269

23,560

23,038

22,026

21,354

20,735

20,129

19,814

19,336

18,893

18,493

17,928

17,418

17,251

16,660

16,225

15,880

15,290

0

0

0

Noninterest income:
Service charges on deposit accounts

-

-

-

-

-

-

-

-

-

-

-

1,117

1,141

1,163

1,173

1,176

1,155

1,158

1,170

1,187

1,200

1,208

0

0

0

Earnings and gain on bank owned life insurance

462

463

468

475

427

378

332

286

284

292

294

298

307

241

397

396

401

518

332

333

308

250

0

0

0

Loan servicing fees

-

-

-

-

-

-

-

-

-

-

-

140

138

199

205

215

233

217

243

269

271

232

0

0

0

Net gains (losses) on sales and redemptions of investment securities

329

239

58

4

-182

-14

154

311

489

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

Gains (losses) on marketable equity securities

81

-27

-31

-34

-62

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gains on equity securities

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

Net gains on sales and redemptions of investment securities

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

-

-

-

-

-

-

Net gains on sales of loans and foreclosed real estate

64

69

39

39

50

104

98

64

37

-79

-75

-64

-40

0

0

0

-

0

0

-

34

75

0

0

0

Insurance agency revenue

844

832

836

854

840

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net gains on sales and redemptions of investment securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

360

310

46

0

0

0

Debit card interchange fees

-

-

-

-

-

-

-

-

-

-

-

543

557

554

547

542

530

516

512

505

496

484

0

0

0

Other charges, commissions & fees

-

-

-

-

-

-

-

-

-

-

-

1,500

1,486

1,530

1,499

1,495

1,397

1,277

1,229

1,113

1,140

1,013

0

0

0

Total noninterest income

4,917

4,574

4,228

4,033

3,835

3,976

4,017

4,043

4,085

4,161

4,143

4,119

4,183

4,153

4,382

4,308

4,172

4,164

3,872

3,798

3,759

3,308

0

0

0

Noninterest expense:
Salaries and employee benefits

13,660

13,727

13,643

13,400

12,704

12,774

12,543

12,151

11,917

11,375

11,103

10,937

10,772

10,498

10,288

9,991

9,687

9,485

9,148

8,979

8,795

8,558

0

0

0

Building and occupancy

2,674

2,535

2,437

2,308

2,243

2,267

2,220

2,248

2,196

2,128

2,118

2,012

1,936

1,875

1,866

1,882

1,921

1,893

1,779

1,702

1,607

1,574

0

0

0

Data processing

2,339

2,267

2,172

2,038

1,924

1,892

1,868

1,831

1,779

1,678

1,684

1,687

1,682

1,720

1,708

1,643

1,609

1,622

1,527

1,572

1,548

1,486

0

0

0

Professional and other services

1,325

1,333

1,340

1,365

1,360

1,392

1,278

1,092

952

876

826

828

834

835

846

854

859

752

706

650

623

686

0

0

0

Advertising

962

1,014

934

973

920

900

933

824

809

790

749

766

730

627

593

518

518

534

559

544

537

519

0

0

0

FDIC assessments

421

456

478

483

492

590

591

537

473

311

266

293

345

430

427

421

408

406

400

398

398

417

0

0

0

Audits and exams

427

412

412

417

422

414

394

374

353

343

340

337

329

328

305

282

268

242

245

247

249

247

0

0

0

Insurance agency expense

816

814

814

910

875

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Community service activities

620

563

595

592

541

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Foreclosed real estate expenses

337

381

372

361

150

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other expenses

2,149

2,081

2,016

1,954

1,918

637

731

899

1,268

2,563

2,527

2,520

2,482

2,544

2,580

2,476

2,317

2,283

2,107

1,910

1,928

1,661

0

0

0

Total noninterest expenses

25,730

25,583

25,213

24,801

23,549

23,355

22,696

21,580

21,094

20,064

19,613

19,380

19,110

18,857

18,613

18,067

17,587

17,217

16,471

16,002

15,685

15,148

0

0

0

Income before income taxes

5,451

4,309

3,833

4,124

4,555

4,181

4,359

4,489

4,345

0

0

0

-

0

0

-

-

-

-

-

-

-

-

-

-

Income before income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4,169

4,003

4,198

4,061

4,021

3,954

3,450

0

0

0

Provision for income taxes

1,165

791

624

615

546

558

787

859

922

1,160

1,096

1,083

1,111

1,060

1,054

1,119

1,071

1,216

1,217

1,202

1,153

963

0

0

0

Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.

4,286

3,518

3,209

3,509

4,009

3,623

3,572

3,630

3,423

3,672

3,563

3,470

3,298

0

0

0

-

0

0

-

-

-

-

-

-

Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,819

2,801

2,487

0

0

0

Net income (loss) attributable to noncontrolling interest

10

5

6

-32

-22

-175

-148

-65

-68

86

64

59

26

35

49

29

43

40

41

34

56

48

0

0

0

Net income attributable to Pathfinder Bancorp, Inc.

4,276

3,513

3,203

3,541

4,031

3,798

3,720

3,695

3,491

3,586

3,499

3,411

3,272

0

0

0

-

0

0

-

-

-

-

-

-

Convertible preferred stock dividends

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Warrant dividends

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Undistributed earnings allocated to participating securities

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net income attributable to Pathfinder Bancorp Inc.

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,785

2,745

2,439

0

0

0

Preferred stock dividends

-

-

-

-

-

-

-

-

-

-

-

-

16

48

81

114

130

130

130

127

95

63

0

0

0

Net income available to common shareholders

-

0

0

-

-

0

0

-

-

-

-

-

3,256

3,046

3,078

2,907

2,759

2,812

2,673

2,658

2,650

2,376

0

0

0

Earnings per common share - basic

0.35

0.22

0.11

0.12

0.27

0.23

0.23

0.24

0.21

0.22

0.23

0.20

0.23

0.20

0.20

0.16

0.18

0.21

0.16

0.12

0.20

0.17

0.15

0.12

0.21

Earnings per common share - diluted

0.35

0.22

0.11

0.12

0.25

0.23

0.22

0.24

0.20

0.22

0.22

0.19

0.23

0.20

0.20

0.15

0.18

0.20

0.16

0.12

0.19

0.17

0.15

0.12

0.20

Dividends per common share

0.06

0.06

0.06

0.06

0.06

0.06

0.06

0.06

0.05

0.05

0.05

0.05

0.05

0.05

0.05

0.05

0.05

0.05

0.03

0.03

0.03

0.03

0.03

0.03

0.03

Service Charges on Deposit Accounts [Member]
Noninterest income

1,391

1,339

1,231

1,156

1,148

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loan Servicing Fees [Member]
Noninterest income

211

206

174

156

170

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Debit Card Interchange Fees [Member]
Noninterest income

657

641

616

577

576

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other Charges, Commissions & Fees [Member]
Noninterest income

878

812

837

806

868

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-