Pathfinder Bancorp, Inc. Income Statement

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Income Statement Dec2013 Dec2014 Dec2015 Dec2016 Dec2017 Dec2018 Dec2019 Dec2020 Dec2021 Dec2022 Dec2023 Dec2024
Revenue & Cost
Provisions 1.03M1.21M1.35M0.95M1.77M1.50M1.97M4.71M1.02M2.75M2.93M10.97M
Revenue 19.04M20.84M22.94M24.47M3.23M3.50M3.92M5.45M4.94M4.59M4.60M4.91M
Interest income
Interest income - Loans 16.35M16.93M18.45M20.70M24.39M28.43M34.03M35.42M37.03M38.32M47.35M52.70M
Interest income - Investments 0.17M0.16M0.18M0.13M0.23M0.26M0.28M0.32M0.31M0.23M0.57M0.62M
Interest Income - Debt Securities 1.92M1.93M2.32M2.48M3.60M5.16M6.96M6.52M8.31M11.22M17.50M22.32M
Interest Income - Deposits 0.02M0.01M
Interest Income - Fed Funds 0.01M0.01M0.02M0.06M0.16M0.25M0.30M0.08M0.01M0.15M0.29M0.79M
Other interest income 0.00M0.00M0.00M0.00M0.00M0.01M0.01M0.00M0.00M0.01M0.01M0.01M
Interest Income - Total 18.88M19.70M21.42M24.09M29.41M34.81M41.76M42.51M45.83M51.10M67.66M78.36M
Interest expenses
Interest Expense - Deposits 2.48M1.96M1.96M2.44M3.90M6.81M10.71M8.11M4.71M7.07M23.27M30.49M
Interest Expense - Debt 0.73M0.40M0.26M0.30M1.00M1.17M1.57M1.50M1.02M0.56M2.69M4.18M
Interest Expenses 3.26M2.61M2.66M3.80M6.29M9.04M13.53M10.86M7.53M9.70M28.74M37.37M
Interest Income - Net 15.62M17.09M18.77M20.29M23.12M25.77M28.23M31.64M38.30M41.40M38.92M40.99M
Non-interest income
Interest Income - Total 14.59M15.88M17.42M19.34M21.35M24.27M26.26M26.94M37.27M38.65M35.99M30.02M
Financial Services Fees 0.57M1.14M1.40M1.49M1.51M
Service Charges 1.18M1.20M1.16M1.14M1.13M
Investment Gain (Loss) 0.42M0.59M0.49M-0.18M0.33M0.93M0.02M-0.16M-1.93M-0.14M
Investment Banking Income 0.44M0.00M0.03M0.01M0.01M0.00M0.03M1.19M0.31M0.14M0.22M0.15M
Card Income 0.47M0.50M0.53M0.56M0.58M
Other Non-Interest Income 0.65M0.97M1.15M0.73M0.96M1.46M0.96M0.94M1.20M0.91M0.89M10.18M
Non-Interest Income 3.42M3.76M4.17M4.18M4.08M3.83M4.92M6.49M6.23M5.91M5.19M9.56M
Operating Items
Amortization - Intangibles 0.76M0.78M0.76M0.86M1.04M0.72M0.18M0.16M0.17M1.17M1.95M1.92M
Research & Development 1.44M1.55M1.61M1.68M1.78M1.92M2.34M2.40M2.56M2.04M2.02M2.47M
Wages, Salaries and Other 8.08M8.79M9.69M10.77M11.92M12.70M13.66M13.47M14.38M16.02M15.92M17.81M
Selling, General & Administrative 0.22M0.25M0.27M0.33M0.35M0.42M0.43M0.51M0.72M0.69M0.73M0.54M
Rent Expense 1.48M1.61M1.92M1.94M2.20M2.24M2.67M3.01M3.12M3.38M3.56M4.12M
Other Operating Expenses 11.61M12.28M13.79M15.16M16.77M18.96M20.29M19.16M0.20M-0.25M23.08M3.17M
Operating Expenses 14.75M15.69M17.59M19.11M21.09M23.55M25.73M25.08M27.50M28.87M29.39M34.42M
EBIT 6.52M6.57M6.66M8.21M10.63M13.60M18.98M19.20M23.54M25.38M40.53M42.53M
Non-operating items
Non Operating Investment Income -0.06M0.08M0.41M-0.01M0.35M-0.26M
Net income details
EBT 3.25M3.95M4.00M4.41M4.34M4.55M5.45M8.34M16.01M15.69M11.78M5.16M
Tax Provisions 0.85M1.15M1.07M1.36M1.02M0.71M1.24M2.60M3.50M2.66M2.73M0.75M
Profit After Tax 2.40M2.80M2.93M3.30M3.49M4.03M4.29M7.05M12.51M13.03M9.42M4.83M
Equity Income -0.06M0.08M-0.63M0.38M0.35M-0.26M0.20M
Income from Non-Controlling Interests -0.00M0.06M0.04M0.03M-0.07M-0.02M0.01M0.10M0.10M0.10M0.13M1.45M
Income from Continuing Operations 2.40M2.80M2.93M3.05M3.32M3.84M4.21M5.74M12.51M13.03M9.05M4.41M
Consolidated Net Income 2.40M2.80M2.93M3.05M3.32M3.84M4.21M5.74M12.51M13.03M9.05M4.41M
Income towards Parent Company 2.40M2.80M2.93M3.05M3.32M3.84M4.21M5.74M12.51M13.03M9.05M4.41M
Preferred Dividend Payments 0.10M0.13M0.02M0.47M1.22M
Net Income towards Common Stockholders 2.41M2.65M2.76M3.26M3.49M4.03M3.58M5.41M9.29M9.72M7.02M2.56M
Additional items
EPS (Basic) 0.580.640.670.790.860.970.801.172.072.131.510.54
EPS (Weighted Average and Diluted) 0.580.630.660.780.830.940.801.172.072.131.510.54
Shares Outstanding (Weighted Average) 4.28M4.36M4.71M4.53M5.96M6.00M6.10M6.10M
Tax Rate 26.05%29.16%26.75%30.85%23.52%15.68%22.82%31.17%21.86%16.93%23.16%14.52%