PathFinder Bank in Oswego, New York (NY)

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PathFinder Bank
GeneralFDIC Certificate #: 15977
Status: Active
Federal Reserve ID: 729310
Date Established: May 28, 1859
Trust Powers Granted: Yes
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 8 (Domestic: 8, Interstate: No)
OTS Docket #: 14133
FDIC's unique #: 10208
Numeric code: 41
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: July 01, 1943
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 214 West First Street, Oswego, NY 13126
County: Oswego
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Syracuse
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Syracuse, NY (#8160)
Combined Statistical Area (CSA): Syracuse-Auburn, NY (#532)
Core Based Statistical Area (CBSA): Syracuse, NY (#45060)
CBSA Metro Statistical Area: Syracuse, NY (#45060)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $442.7 mil
Equity capital: $41.2 mil
Deposits held in domestic offices: $368.7 mil
Return on assets (ROA): 0.61% ($2.7 mil)
Quarterly return on assets: 0.47% ($2.1 mil)
Return on Equity (ROE): 6.77% ($2.8 mil)
Quarterly return on equity: 4.80% ($2.0 mil)
Net income: $2.6 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 0.89% ($3,939.6 mil)
Quarterly Pretax return on assets: 0.69% ($3,054.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)110
Total assets$442,654
Cash and due from depository institutions$12,021
Interest-bearing balances$5,036
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$300,790
Loan loss allowance $3,980
Trading account assets$0
Bank premises and fixed assets$10,697
Other real estate owned$536
Goodwill and other intangibles$3,848
All other assets$15,092
Life insurance assets$442,655
Total liabilities and capital$401,442
Total liabilities$368,663
Total deposits$330,154
Interest-bearing deposits$368,663
Deposits held in domestic offices$89
% insured (estimated)5000.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$21,074
Other borrowed funds $0
Subordinated debt $6,705
All other liabilities $41,213
Total equity capital$41,213
Total bank equity capital$41,213
Perpetual preferred stock$10,400
Common stock$150
Undivided profits $23,130
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $4,731
Earning assets $438
Long-term assets (5+ years) $1,685
Average Assets, year-to-date $405,496
Average Assets, quarterly $193,530
Volatile liabilities $420,010
Insider loans $431,279
FHLB advances $292,325
Loans and leases held for sale $426,023
Unused loan commitments $7,939
Tier 1 (core) risk-based capital $7,939
Tier 2 risk-based capital $39,917
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $24,071
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $18,722
Total interest expense $4,177
Net interest income $14,545
Provision for loan and lease losses $940
Total noninterest income $2,090
Fiduciary activities $0
Service charges on deposit accounts $1,040
Trading account gains & fees $0
Additional noninterest income $1,050
Total noninterest expense $12,760
Salaries and employee benefits $6,840
Premises and equipment expense $1,720
Additional noninterest expense $4,200
Pre-tax net operating income $2,935
Securities gains (losses) $791
Applicable income taxes $1,152
Income before extraordinary items $2,574
Extraordinary gains - net $0
Net income attributable to bank $2,574
Net charge-offs $0
Cash dividends $2,574
Sale, conversion, retirement of capital stock, net $608
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.89%
Cost of funding earning assets 1.09%
Net interest margin 3.80%
Noninterest income to earning assets 0.55%
Noninterest expense to earning assets 3.33%
Net operating income to assets 0.48%
Return on assets (ROA) 0.61%
Pretax return on assets 0.89%
Return on equity (ROE) 6.77%
Retained earnings to average equity (YTD only) 6.77%
Net charge-offs to loans 0.21%
Credit loss provision to net charge-offs 154.61%
Efficiency ratio6.37%
Assets per employee$76,706
Cash dividends to net income (YTD only)4.02%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.31%
Noncurrent assets plus other real estate owned to assets 84.13%
Noncurrent loans to loans 1.19%
Net loans and leases to deposits1.55%
Net loans and leases to core deposits 81.59%
Equity capital to assets 90.72%
Core capital (leverage) ratio 9.31%
Tier 1 risk-based capital ratio 9.37%
Total risk-based capital ratio 13.66%
Average assets$15
Average earning assets$420,010
Average equity $37,995
Average loans $382,865
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Total Fiduciary and Related Assets (December 31, 2002)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$1,242
Number of Accounts1
Personal trust and agency accounts$1,186
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$136
Other retirement accounts$0
Corporate trust and agency accounts$7
Investment management agency accounts$0
Other fiduciary accounts$1,043
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts15
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$56
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$56
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8 New York Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010208Pathfinder Bank214 West First Street, Oswego, NY 13126May 28, 1859Full Service Brick and Mortar
1236312Oswego Plaza BranchRoute 104 East, Oswego, NY 13126June 05, 1967Full Service Brick and Mortar
2236313Mexico BranchMain And Norman Streets, Mexico, NY 13114October 16, 1978Full Service Brick and Mortar
3277486Oswego Branch34 East Bridge Street, Oswego, NY 13126January 01, 1884Limited Service Facility
4277488Fulton Branch5 West First Street South, Fulton, NY 13069January 01, 1884Full Service Brick and Mortar
6215095Lacona Branch1897 Harwood Drive, Lacona, NY 13083Febuary 03, 1964Full Service Brick and Mortar
7441065Central Square Branch3025 East Avenue, Central Square, NY 13036June 13, 2005Full Service Brick and Mortar
8516274Cicero Branch6194 State Route 31, Cicero, NY 13039Febuary 01, 2011Full Service Brick and Mortar
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