Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	35.32	48.73	35.28	35.55	41.86	20.16
Investment Securities	222.91	326.52	187.35	175.81	125.84	104.49
Trading Asset Securities	1.06	4.59	9.72	1.46	0.19	-
Mortgage-Backed Securities	214.33	114.69	200.64	176.39	175.5	130.16
Total Investments	438.29	445.8	397.71	353.66	301.53	234.66
Gross Loans	923.23	897.78	898.75	833.23	825.21	745.52
Allowance for Loan Losses	-17.27	-15.98	-15.32	-12.94	-12.78	-8.67
Other Adjustments to Gross Loans	-1.57	-0.57	-1	-1.28	-1.24	-
Net Loans	904.39	881.23	882.44	819.01	811.19	736.85
Property, Plant & Equipment	37.29	24.04	24.18	23.8	24.5	25.09
Goodwill	5.75	4.54	4.54	4.54	4.54	4.54
Other Intangible Assets	6.22	0.09	0.1	0.12	0.13	0.15
Loans Held for Sale	-	-	-	0.51	1.53	35.94
Accrued Interest Receivable	6.81	7.29	6.17	4.52	4.55	3.71
Restricted Cash	-	-	-	1.6	1.6	-
Other Current Assets	-	3.04	3.04	-	-	-
Long-Term Deferred Tax Assets	-	3.93	3.72	-	0.82	-
Other Real Estate Owned & Foreclosed	-	0.15	0.22	-	-	0.09
Other Long-Term Assets	43.66	38.22	36.55	37.69	30.8	27.81
Total Assets	1,483	1,466	1,400	1,285	1,227	1,094
Interest Bearing Deposits	845.92	854.63	870.02	796.04	741.87	459.09
Institutional Deposits	140.18	95.27	71.7	67.45	91.98	315.3
Non-Interest Bearing Deposits	210.11	170.17	183.71	191.86	162.06	107.5
Total Deposits	1,196	1,120	1,125	1,055	995.91	881.89
Short-Term Borrowings	60.32	125.68	60.33	12.5	4.07	25.23
Current Portion of Long-Term Debt	-	22.85	-	-	-	-
Accrued Interest Payable	0.24	2.25	0.98	0.11	0.19	0.4
Long-Term Debt	30.06	24.76	24.58	24.41	34.25	9.97
Federal Home Loan Bank Debt, Long-Term	39.77	27.07	55.66	64.6	78.03	67.99
Long-Term Leases	18.45	6.09	6.84	3.04	3.11	3.23
Trust Preferred Securities	-	5.16	5.16	5.16	5.16	5.16
Pension & Post-Retirement Benefits	-	0.81	0.77	0.9	1.3	1.25
Other Long-Term Liabilities	16.99	10.81	8.59	8.49	7.71	8.03
Total Liabilities	1,362	1,346	1,288	1,175	1,130	1,003
Preferred Stock, Convertible	-	-	-	-	0.01	0.01
Total Preferred Equity	-	-	-	-	0.01	0.01
Common Stock	0.06	0.06	0.06	0.06	0.05	0.05
Additional Paid-In Capital	53.23	53.11	52.1	51.04	50.02	49.36
Retained Earnings	73.67	76.06	71.32	60.95	50.28	44.84
Comprehensive Income & Other	-6.72	-9.74	-12.49	-1.76	-2.91	-3.83
Total Common Equity	120.25	119.5	111	110.29	97.44	90.42
Minority Interest	0.85	0.76	0.59	0.35	0.27	0.24
Shareholders' Equity	121.1	120.26	111.58	110.63	97.72	90.67
Total Liabilities & Equity	1,483	1,466	1,400	1,285	1,227	1,094
Total Debt	148.59	211.61	152.57	109.7	124.62	111.57
Net Cash (Debt)	-112.21	-158.28	-107.57	-72.69	-82.56	-91.41
Net Cash Per Share	-18.44	-26.24	-18.11	-13.92	-17.92	-20.48
Filing Date Shares Outstanding	6.1	6.08	5.99	5.92	4.45	4.62
Total Common Shares Outstanding	6.1	6.08	5.99	5.92	4.44	4.59
Book Value Per Share	19.71	19.65	18.53	18.64	21.95	19.69
Tangible Book Value	108.28	114.87	106.36	105.63	92.77	85.74
Tangible Book Value Per Share	17.75	18.89	17.76	17.85	20.90	18.67

Source: S&P Capital IQ. Banks template. Financial Sources.