Pathfinder Bancorp, Inc. (PBHC)
2025-06-30 | 2025-03-31 | 2024-09-30 | ||
|---|---|---|---|---|
| Noninterest income-Bank Servicing | 97 | - | - | |
| Noninterest income-Financial Service Other | 230 | - | - | |
| Noninterest income-Deposit Account | 380 | - | - | |
| Noninterest income-Debit Card | 180 | - | - | |
| Insurance agency revenue | - | - | 367 | |
| Net realized gains (losses) on sales and redemptions of investment securities | - | -8 | -188 | |
| Net unrealized gains (losses) on marketable equity securities | 420 | 218 | 62 | |
| Earnings and gains on bank owned life insurance | 156 | 162 | 361 | |
| Gains on sales of loans and foreclosed real estate | 83 | 65 | 90 | |
| Fair value adjustment to loans held-for-sale | -3,064 | - | - | |
| Noninterest income | - | 760 | 1,051 | |
| Loss on sale of premises and equipment | - | - | -36 | |
| Total noninterest income | -1,518 | 1,197 | 1,707 | |
| Salaries and employee benefits | 4,525 | 4,450 | 4,959 | |
| Professional and other services | 778 | 606 | 1,820 | |
| Other expenses | 510 | 691 | 803 | |
| Building and occupancy | 1,230 | 1,347 | 1,134 | |
| Data processing | 667 | 666 | 672 | |
| Insurance agency expense | - | - | 308 | |
| Audits and exams | 60 | 114 | 123 | |
| Foreclosed real estate | 29 | 21 | 27 | |
| Fdic assessments | - | 229 | 228 | |
| Amortization expense | 157 | 157 | - | |
| Advertising | 77 | 141 | 165 | |
| Community service activities | 28 | 11 | 20 | |
| Total noninterest expense | 8,061 | 8,433 | 10,259 | |
| Unfunded commitments | 19 | -47 | -104 | |
| Held-to-maturity securities | 5 | - | -31 | |
| Loans | 1,173 | 504 | 9,104 | |
| Total provision for credit losses | 1,197 | 457 | 8,969 | |
| Interest on short-term borrowings | 495 | 545 | 1,136 | |
| Interest on long-term borrowings | 72 | 65 | 202 | |
| Interest on deposits | 7,318 | 6,945 | 7,633 | |
| Interest on subordinated debt | 483 | 475 | 496 | |
| Total interest expense | 8,368 | 8,030 | 9,467 | |
| Tax-exempt | 465 | 402 | 469 | |
| Taxable | 5,522 | 5,185 | 5,664 | |
| Federal funds sold and interest earning deposits | 68 | 89 | 492 | |
| Loans, including fees | 13,106 | 13,672 | 14,425 | |
| Dividends | 21 | 93 | 149 | |
| Total interest and dividend income | 19,182 | 19,441 | 21,199 | |
| Net interest income | 10,814 | 11,411 | 11,732 | |
| Net interest income after provision for credit losses | 9,617 | 10,954 | 2,763 | |
| Income before provision for income taxes | 38 | 3,718 | -5,789 | |
| Provision for income taxes | 7 | 744 | -1,173 | |
| Net income attributable to noncontrolling interest and pathfinder bancorp, inc | 31 | 2,974 | -4,616 | |
| Net income (loss) attributable to noncontrolling interest | - | - | 28 | |
| Net income attributable to pathfinder bancorp inc | 31 | 2,974 | -4,644 | |
| Basic eps | - | 0.48 | -0.75 | |
| Basic average shares | - | 4,749 | 4,714 | |
| Diluted average shares | - | 4,749 | 4,714 | |
| Earnings per share, diluted | 0.47 | 0.41 | -0.75 | |