Pathfinder Commercial Bank in Oswego, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Pathfinder Commercial Bank - Overview

  • General
  • FDIC Certificate #: 57497
    Status: Active
    Federal Reserve ID: 3145984
    Date Established: October 25, 2002
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 364350
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Directly owned by another bank (CERT): #57497
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: October 25, 2002
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $54.2 mil
    Equity capital: $7.0 mil
    Deposits held in domestic offices: $46.2 mil
    Return on assets (ROA): 1.07% ($0.6 mil)
    Quarterly return on assets: 0.69% ($0.4 mil)
    Return on Equity (ROE): 9.09% ($0.6 mil)
    Quarterly return on equity: 5.36% ($0.4 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.52% ($823.8 mil)
    Quarterly Pretax return on assets: 0.98% ($531.1 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
  • 1Total employees (full-time equivalent)
  • $54,195Total assets
  • $11,534Cash and due from depository institutions
  • $10,882Interest-bearing balances
  • $42,006Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $0Loan loss allowance
  • $0Trading account assets
  • $0Bank premises and fixed assets
  • $0Other real estate owned
  • $388Goodwill and other intangibles
  • $54,195Life insurance assets
  • $267All other assets
  • $47,202Total liabilities and capital
  • $46,235Total liabilities
  • $44,607Total deposits
  • $46,235Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $52Trading liabilities
  • $0Other borrowed funds
  • $915Subordinated debt
  • $6,993All other liabilities
  • $6,993Total equity capital
  • $6,993Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $3,160Surplus
  • $2,833Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $131Long-term assets (5+ years)
  • $52,888Average Assets, year-to-date
  • $29,124Average Assets, quarterly
  • $55,712Volatile liabilities
  • $54,634Insider loans
  • $10,083FHLB advances
  • $55,139Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,995Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,124Total interest income
  • $194Total interest expense
  • $930Net interest income
  • $0Provision for loan and lease losses
  • $9Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9Additional noninterest income
  • $205Total noninterest expense
  • $45Salaries and employee benefits
  • $3Premises and equipment expense
  • $157Additional noninterest expense
  • $734Pre-tax net operating income
  • $114Securities gains (losses)
  • $254Applicable income taxes
  • $594Income before extraordinary items
  • $0Extraordinary gains - net
  • $594Net income attributable to bank
  • $0Net charge-offs
  • $594Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.13%Yield on earning assets
  • 0.37%Cost of funding earning assets
  • 1.77%Net interest margin
  • 0.02%Noninterest income to earning assets
  • 0.39%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.52%Pretax return on assets
  • 9.09%Return on equity (ROE)
  • 9.09%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 21,832Assets per employee
  • 54.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.00%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 0.00%Net loans and leases to core deposits
  • 0.00%Equity capital to assets
  • 12.90%Core capital (leverage) ratio
  • 10.87%Tier 1 risk-based capital ratio
  • 59.46%Total risk-based capital ratio
  • Memoranda
  • $59Average assets
  • $55,712Average earning assets
  • $6,537Average equity
  • $52,678Average loans

List of branches

  • 7 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0364350Pathfinder Commercial Bank214 West First Street, Oswego, NY 13126October 25, 2002Full Service Brick and Mortar
    1493460Oswego Plaza BranchRoute 104 East, Oswego, NY 13126November 01, 2002Full Service Brick and Mortar
    2493461Mexcio BranchMain And Norman Streets, Mexico, NY 13114November 01, 2002Full Service Brick and Mortar
    3493462Oswego East Branch34 East Bridge Street, Oswego, NY 13126November 01, 2002Limited Service Facility
    4493463Fulton Branch5 West 1st Street, Fulton, NY 13069November 01, 2002Full Service Brick and Mortar
    5493464Lacona Branch1897 Harwood Drive, Lacona, NY 13083November 01, 2002Full Service Brick and Mortar
    6493465Central Square Branch3025 East Avenue, Central Square, NY 13036June 12, 2005Full Service Brick and Mortar

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