Pathfinder Bancorp (PBHC) Income Statement

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Loans, including fees	4.1M
Taxable	466K
Tax-exempt	194K
Dividends	17K
Federal funds sold and interest earning deposits	1K
Total interest income	4.78M
Interest on deposits	497K
Interest on short-term borrowings	21K
Interest on long-term borrowings	148K
Total interest expense	666K
Net interest income	4.12M
Provision for loan losses	275K
Net interest income after provision for loan losses	3.84M
Service charges on deposit accounts	305K
Earnings on bank owned life insurance	66K
Loan servicing fees	67K
Net gains on sales and redemptions of investment securities
Net gains (losses) on sales of loans and foreclosed real estate
Debit card interchange fees
Other charges, commissions & fees	261K
Total noninterest income	878K
Salaries and employee benefits	2.19M
Building occupancy	364K
Data processing	399K
Professional and other services	173K
FDIC assessments	100K
Other expenses	377K
Total noninterest expenses	3.76M
Income before income taxes	958K
Provision for income taxes	275K
Net income
Preferred stock dividends and discount accretion	30K
Net income available to common shareholders	646K
Earnings per common share - basic (in dollars per share)	0.26
Earnings per common share - diluted (in dollars per share)	0.25
Dividends per common share (in dollars per share)	0.03

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