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UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

 

 

 QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2024

OR

 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from _______ to _______

 

 

https://cdn.kscope.io/60d353d1622166e47a629f7f649da593-img236360705_0.jpg 

(Exact Name of Company as Specified in its Charter)

 

 

Maryland

(State of Other Jurisdiction of Incorporation)

001-36695

(Commission File No.)

38-3941859

(I.R.S. Employer Identification No.)

214 West First Street

Oswego, NY 13126

(315) 343-0057

(Address, including zip code, and telephone number, including area code, of registrant’s principal executive offices)

 

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $0.01 par value

PBHC

The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes NO

Indicate by check mark whether the registrant has submitted electronically Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this Chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes NO

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer”, “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer

Accelerated filer

Non-accelerated filer

Smaller reporting company

Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). YES NO

As of May 10, 2024, there were 4,719,788 shares outstanding of the registrant’s Voting common stock and 1,380,283 shares outstanding of the registrant’s Series A Non-Voting common stock.

 


Table of Contents

PATHFINDER BANCORP, INC.

INDEX

 

PART I - FINANCIAL INFORMATION

 

PAGE NO.

 

 

 

 

Item 1.

Consolidated Financial Statements (Unaudited)

 

3

 

Consolidated Statements of Condition

 

3

 

Consolidated Statements of Income

 

4

 

Consolidated Statements of Comprehensive Income (Loss)

 

5

 

Consolidated Statements of Changes in Shareholders' Equity

 

6

 

Consolidated Statements of Cash Flows

 

7

 

Notes to Consolidated Financial Statements

 

9

 

 

 

 

Item 2.

Management's Discussion and Analysis of Financial Condition and Results of Operations (Unaudited)

 

41

 

 

 

 

Item 3.

Quantitative and Qualitative Disclosures About Market Risk

 

58

 

 

 

 

Item 4.

Controls and Procedures

 

58

 

 

 

 

PART II - OTHER INFORMATION

 

 

 

 

 

 

Item 1.

Legal Proceedings

 

59

Item 1A.

Risk Factor

 

59

Item 2.

Unregistered Sales of Equity Securities and Use of Proceeds

 

59

Item 3.

Defaults upon Senior Securities

 

59

Item 4.

Mine Safety Disclosures

 

59

Item 5.

Other information

 

59

Item 6.

Exhibits

 

60

 

 

 

 

SIGNATURES

 

60

 

 


 

PART I - FINANCIAL INFORMATION

Item 1 – Consolidated Financial Statements
 

Pathfinder Bancorp, Inc.

Consolidated Statements of Condition

(Unaudited)

 

 

March 31,

 

 

December 31,

 

(In thousands, except share and per share data)

 

2024

 

 

2023

 

ASSETS:

 

 

 

 

 

 

Cash and due from banks

 

$

13,565

 

 

$

12,338

 

Interest-earning deposits

 

 

15,658

 

 

 

36,394

 

Total cash and cash equivalents

 

 

29,223

 

 

 

48,732

 

Available-for-sale securities, at fair value

 

 

279,012

 

 

 

258,716

 

Held-to-maturity securities, at amortized cost (fair value of $162,368 and $168,034, respectively)

 

 

172,648

 

 

 

179,286

 

Marketable equity securities, at fair value

 

 

3,342

 

 

 

3,206

 

Federal Home Loan Bank stock, at cost

 

 

7,031

 

 

 

8,748

 

Loans

 

 

891,531

 

 

 

897,207

 

Less: Allowance for credit losses

 

 

16,655

 

 

 

15,975

 

Loans receivable, net

 

 

874,876

 

 

 

881,232

 

Premises and equipment, net

 

 

18,332

 

 

 

18,441

 

Assets held-for-sale

 

 

3,042

 

 

 

3,042

 

Operating lease right-of-use assets

 

 

1,493

 

 

 

1,526

 

Finance lease right-of-use assets

 

 

4,038

 

 

 

4,073

 

Accrued interest receivable

 

 

7,170

 

 

 

7,286

 

Foreclosed real estate

 

 

82

 

 

 

151

 

Intangible assets, net

 

 

80

 

 

 

85

 

Goodwill

 

 

4,536

 

 

 

4,536

 

Bank owned life insurance

 

 

24,799

 

 

 

24,641

 

Other assets

 

 

23,968

 

 

 

22,097

 

Total assets

 

$

1,453,672

 

 

$

1,465,798

 

 

 

 

 

 

 

 

LIABILITIES AND SHAREHOLDERS' EQUITY:

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

Interest-bearing

 

$

969,692

 

 

$

949,898

 

Noninterest-bearing

 

 

176,421

 

 

 

170,169

 

Total deposits

 

 

1,146,113

 

 

 

1,120,067

 

Short-term borrowings

 

 

91,577

 

 

 

125,680

 

Long-term borrowings

 

 

45,869

 

 

 

49,919

 

Subordinated debt

 

 

29,961

 

 

 

29,914

 

Accrued interest payable

 

 

1,963

 

 

 

2,245

 

Operating lease liabilities

 

 

1,682

 

 

 

1,711

 

Finance lease liabilities

 

 

4,370

 

 

 

4,381

 

Other liabilities

 

 

9,505

 

 

 

11,625

 

Total liabilities

 

 

1,331,040

 

 

 

1,345,542

 

Shareholders' equity:

 

 

 

 

 

 

Voting common stock, par value $0.01; 25,000,000 authorized shares; 4,719,788 and 4,719,288 shares
   issued and outstanding, respectively

 

 

47

 

 

 

47

 

Non-Voting common stock, par value $0.01; 1,505,283 authorized shares; 1,380,283 shares
   issued and outstanding, respectively

 

 

14

 

 

 

14

 

Additional paid in capital

 

 

53,151

 

 

 

53,114

 

Retained earnings

 

 

77,558

 

 

 

76,060

 

Accumulated other comprehensive loss

 

 

(8,862

)

 

 

(9,605

)

Unearned ESOP shares

 

 

(90

)

 

 

(135

)

Total Pathfinder Bancorp, Inc. shareholders' equity

 

 

121,818

 

 

 

119,495

 

Noncontrolling interest

 

 

814

 

 

 

761

 

Total equity

 

 

122,632

 

 

 

120,256

 

Total liabilities and shareholders' equity

 

$

1,453,672

 

 

$

1,465,798

 

 

The accompanying notes are an integral part of the consolidated financial statements.

- 3 -


 

Pathfinder Bancorp, Inc.

Consolidated Statements of Income

(Unaudited)

 

For the three months ended

 

(In thousands, except per share data)

 

March 31, 2024

 

 

March 31, 2023

 

Interest and dividend income:

 

 

 

 

 

 

Loans, including fees

 

$

12,268

 

 

$

10,658

 

Debt securities:

 

 

 

 

 

 

Taxable

 

 

5,607

 

 

 

3,747

 

Tax-exempt

 

 

508

 

 

 

455

 

Dividends

 

 

129

 

 

 

78

 

Federal funds sold and interest earning deposits

 

 

98

 

 

 

105

 

Total interest and dividend income

 

 

18,610

 

 

 

15,043

 

Interest expense:

 

 

 

 

 

 

Interest on deposits

 

 

7,411

 

 

 

4,037

 

Interest on short-term borrowings

 

 

1,114

 

 

 

372

 

Interest on long-term borrowings

 

 

194

 

 

 

194

 

Interest on subordinated debt

 

 

491

 

 

 

472

 

Total interest expense

 

 

9,210

 

 

 

5,075

 

Net interest income

 

 

9,400

 

 

 

9,968

 

Provision for credit losses:

 

 

 

 

 

 

Loans

 

 

710

 

 

 

692

 

Held-to-maturity securities

 

 

15

 

 

 

-

 

Unfunded commitments

 

 

1

 

 

 

-

 

Total provision for credit losses

 

 

726

 

 

 

692

 

Net interest income after provision for credit losses

 

 

8,674

 

 

 

9,276

 

Noninterest income:

 

 

 

 

 

 

Service charges on deposit accounts

 

 

309

 

 

 

267

 

Earnings and gain on bank owned life insurance

 

 

157

 

 

 

158

 

Loan servicing fees

 

 

88

 

 

 

72

 

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

 

 

(148

)

 

 

73

 

Net realized gains on sales of marketable equity securities

 

 

108

 

 

 

-

 

Gains on sales of loans and foreclosed real estate

 

 

18

 

 

 

25

 

Debit card interchange fees

 

 

119

 

 

 

321

 

Insurance agency revenue

 

 

397

 

 

 

420

 

Other charges, commissions & fees

 

 

689

 

 

 

256

 

Total noninterest income