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Table of Contents

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 June 30, 2021

 

OR

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

EXCHANGE ACT OF 1934

For the transition period from _______ to _______

 

(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

(Address of Principal Executive Office) (Zip Code)

(315) 343-0057

(Issuer's Telephone Number including area code)

 

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 August 13, 2021, there were 4,562,301 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

 

5

 

Consolidated Statements of Changes in Shareholders' Equity

 

6

 

Consolidated Statements of Cash Flows

 

8

 

Notes to Consolidated Financial Statements

 

10

 

 

 

 

Item 2.

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

 

56

 

 

 

 

Item 3.

Quantitative and Qualitative Disclosures About Market Risk

 

84

 

 

 

 

Item 4.

Controls and Procedures

 

84

 

 

 

 

PART II - OTHER INFORMATION

 

 

 

 

 

 

Item 1.

Legal Proceedings

 

86

Item 1A.

Risk Factors

 

86

Item 2.

Unregistered Sales of Equity Securities and Use of Proceeds

 

86

Item 3.

Defaults upon Senior Securities

 

86

Item 4.

Mine Safety Disclosures

 

86

Item 5.

Other information

 

86

Item 6.

Exhibits

 

86

 

 

 

 

SIGNATURES

 

87

 


 

 

PART I - FINANCIAL INFORMATION

Item 1 – Consolidated Financial Statements

Pathfinder Bancorp, Inc.

Consolidated Statements of Condition

(Unaudited) 

 

 

 

June 30,

 

 

December 31,

 

(In thousands, except share and per share data)

 

2021

 

 

2020

 

ASSETS:

 

 

 

 

 

 

 

 

Cash and due from banks (including restricted balances of $1,600 and $1,600, respectively)

 

$

13,006

 

 

$

14,906

 

Interest-earning deposits (including restricted balances of $0 and $0, respectively)

 

 

28,148

 

 

 

28,558

 

Total cash and cash equivalents

 

 

41,154

 

 

 

43,464

 

Available-for-sale securities, at fair value

 

 

157,559

 

 

 

128,261

 

Held-to-maturity securities, at amortized cost (fair value of $165,997 and $174,935, respectively)

 

 

162,432

 

 

 

171,224

 

Marketable equity securities, at fair value

 

 

2,133

 

 

 

1,850

 

Federal Home Loan Bank stock, at cost

 

 

4,487

 

 

 

4,390

 

Loans

 

 

834,239

 

 

 

823,969

 

Loans held-for-sale

 

 

713

 

 

 

1,526

 

Less: Allowance for loan losses

 

 

14,603

 

 

 

12,777

 

Loans receivable, net

 

 

820,349

 

 

 

812,718

 

Premises and equipment, net

 

 

22,195

 

 

 

22,264

 

Operating lease right-of-use assets

 

 

2,172

 

 

 

2,240

 

Accrued interest receivable

 

 

4,539

 

 

 

4,549

 

Intangible assets, net

 

 

125

 

 

 

133

 

Goodwill

 

 

4,536

 

 

 

4,536

 

Bank owned life insurance

 

 

23,117

 

 

 

17,864

 

Other assets

 

 

14,893

 

 

 

13,950

 

Total assets

 

$

1,259,691

 

 

$

1,227,443

 

 

 

 

 

 

 

 

 

 

LIABILITIES AND SHAREHOLDERS' EQUITY:

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

Interest-bearing

 

$

848,010

 

 

$

833,850

 

Noninterest-bearing

 

 

183,660

 

 

 

162,057

 

Total deposits

 

 

1,031,670

 

 

 

995,907

 

Short-term borrowings

 

 

2,000

 

 

 

4,020

 

Long-term borrowings

 

 

81,734

 

 

 

78,030

 

Subordinated loans

 

 

29,482

 

 

 

39,400

 

Accrued interest payable

 

 

145

 

 

 

193

 

Operating lease liabilities

 

 

2,467

 

 

 

2,525

 

Other liabilities

 

 

8,661

 

 

 

9,646

 

Total liabilities

 

 

1,156,159

 

 

 

1,129,721

 

Shareholders' equity:

 

 

 

 

 

 

 

 

Preferred stock, par value $0.01 per share; no liquidation preference; 10,000,000 shares

   authorized; 0 and 1,380,283 shares issued and outstanding, respectively

 

 

-

 

 

 

14

 

Voting common stock, par value $0.01; 25,000,000 authorized shares;  4,562,301 and 4,531,383 shares

   issued and outstanding, respectively

 

 

45

 

 

 

45

 

Non-Voting common stock, par value $0.01; 1,505,283 authorized shares;  1,380,283 and 0 shares

   issued and outstanding, respectively

 

 

14

 

 

 

-

 

Additional paid in capital

 

 

50,451

 

 

 

50,024

 

Retained earnings

 

 

54,545

 

 

 

50,284

 

Accumulated other comprehensive loss

 

 

(1,235

)

 

 

(2,236

)

Unearned ESOP

 

 

(585

)

 

 

(675

)

Total Pathfinder Bancorp, Inc. shareholders' equity

 

 

103,235

 

 

 

97,456

 

Noncontrolling interest

 

 

297

 

 

 

266

 

Total equity

 

 

103,532

 

 

 

97,722

 

Total liabilities and shareholders' equity

 

$

1,259,691

 

 

$

1,227,443

 

 

 

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

 

 

For the six months ended

 

(In thousands, except per share data)

 

June 30, 2021

 

 

June 30, 2020

 

 

June 30, 2021

 

 

June 30, 2020

 

Interest and dividend income:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans, including fees

 

$

9,784

 

 

$

8,832

 

 

$

18,631

 

 

$

18,074

 

Debt securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable

 

 

2,152

 

 

 

1,549

 

 

 

4,128

 

 

 

3,241

 

Tax-exempt

 

 

42

 

 

 

52

 

 

 

71

 

 

 

59

 

Dividends

 

 

87

 

 

 

64

 

 

 

174

 

 

 

134

 

Federal funds sold and interest earning deposits

 

 

1

 

 

 

17

 

 

 

4

 

 

 

49

 

Total interest and dividend income

 

 

12,066

 

 

 

10,514

 

 

 

23,008

 

 

 

21,557

 

Interest expense:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest on deposits

 

 

1,144

 

 

 

2,204

 

 

 

2,671

 

 

 

4,760

 

Interest on short-term borrowings

 

 

3

 

 

 

39

 

 

 

6

 

 

 

96

 

Interest on long-term borrowings

 

 

296

 

 

 

439

 

 

 

591

 

 

 

884

 

Interest on subordinated loans

 

 

408

 

 

 

192

 

 

 

965

 

 

 

398

 

Total interest expense

 

 

1,851

 

 

 

2,874

 

 

 

4,233

 

 

 

6,138

 

Net interest income

 

 

10,215

 

 

 

7,640

 

 

 

18,775

 

 

 

15,419

 

Provision for loan losses

 

 

929

 

 

 

1,146

 

 

 

1,957

 

 

 

2,213

 

Net interest income after provision for loan losses

 

 

9,286

 

 

 

6,494

 

 

 

16,818

 

 

 

13,206

 

Noninterest income:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Service charges on deposit accounts

 

 

357

 

 

 

303

 

 

 

689

 

 

 

659

 

Earnings and gain on bank owned life insurance

 

 

129

 

 

 

106

 

 

 

254

 

 

 

222

 

Loan servicing fees

 

 

11

 

 

 

79

 

 

 

101

 

 

 

128

 

Net gains on sales and redemptions of investment securities