PATHFINDER BANCORP INC Cashflow Statement

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated statements of cash flows

In millions of USD, except per-share amounts

	FY2013 12 months to Dec 31, 2013	FY2012 12 months to Dec 31, 2012	FY2010 12 months to Dec 31, 2010
OPERATING ACTIVITIES
Net income
Adjustments to reconcile net income to net cash flows from operating activities:
Provision for loan losses
Deferred income tax expense (benefit)
Proceeds from sales of loans
Originations of loans held-for-sale
Realized gains on sales and redemptions of:
Real estate acquired through foreclosure
Loans
Available-for-sale investment securities
Impairment write-down on available-for-sale securities
Premise and equipment
Depreciation
Amortization of mortgage servicing rights
Amortization of deferred loan costs
Earnings on bank owned life insurance
Realized gain on proceeds from bank owned life insurance
Net amortization of premiums and discounts on investment securities
Amortization of intangible assets
Stock based compensation and ESOP expense
Net change in accrued interest receivable
Pension plan contribution
Net change in other assets and liabilities

Net cash flows from operating activities
INVESTING ACTIVITIES
Purchase of interest earning time deposits
Purchase of investment securities available-for-sale
Purchase of investment securities held-to-maturity
Net purchases of Federal Home Loan Bank stock
Proceeds from maturities of interest earning time deposits
Proceeds from maturities and principal reductions of investment securities available-for-sale
Proceeds from maturities and principal reductions of investment securities held-to-maturity
Proceeds from sales and redemptions of:
Available-for-sale investment securities
Real estate acquired through foreclosure
Premises and equipment
Purchase of bank own life insurance
Acquisition of controlling interest in Fitzgibbons Agency, net of cash acquired of $18
Proceeds from bank owned life insurance
Net increase in loans
Net change in loans
Purchase of premises and equipment
Net cash flows from investing activities

FINANCING ACTIVITIES
Net change in demand deposits, NOW accounts, savings accounts, money management deposit accounts, MMDA accounts and escrow deposits
Net change in time deposits and brokered deposits
Net change in short-term borrowings
Payments on long-term borrowings
Proceeds from long-term borrowings
Proceeds from the issuance of preferred stock and common stock warrants
Preferred stock dividends
Proceeds from sale of preferred stock - SBLF
Purchase of CPP warrants from the US Treasury
Proceeds from exercise of stock options
Redemption of preferred stock - CPP
Cash dividends paid to preferred shareholder - SBLF
Cash dividends paid to common shareholders
Change in non-controlling interest, net
Net cash flows from financing activities

Change in cash and cash equivalents
Cash and cash equivalents at beginning of period
Cash and cash equivalents at end of period
CASH PAID DURING THE PERIOD FOR:
Interest
Income taxes
NON-CASH INVESTING ACTIVITY
Transfer of loans to foreclosed real estate
Real Estate acquired in exchange for loans
Repossessed assets acquired in exchange for loans
Transfer of available-for-sale securities to held-to-maturity

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