PATHFINDER BANCORP INC Income Statement

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated statements of income

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
Interest and dividend income:
Loans, including fees
Debt securities:
Taxable
Tax-exempt
Dividends
Interest earning time deposits
Federal funds sold and interest earning deposits
Total interest income
Interest expense:
Interest on deposits
Interest on short-term borrowings
Interest on long-term borrowings
Total interest expense
Net interest income
Provision for loan losses
Net interest income after provision for loan losses
Noninterest income:
Service charges on deposit accounts
Earnings and gain on bank owned life insurance
Loan servicing fees
Losses on impairment of investment securities
Net gains (loss) on sales of loans and foreclosed real estate
Net gains on sales and redemptions of investment securities
Net gains on sales of loans and foreclosed real estate
Debit card interchange fees
Other charges, commissions & fees
Total noninterest income

Noninterest expense:
Salaries and employee benefits
Building occupancy
Data processing
Professional and other services
Amortization of intangible assets
Advertising
FDIC assessments
Audits and exams
Other expenses
Total noninterest expenses
Income before income taxes
Provision for income taxes
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.
Net loss attributable to noncontrolling interest
Net Income
Preferred stock dividends
Net income available to common shareholders
Earnings per common share - basic (in dollars per share)
Earnings per common share - diluted (in dollars per share)
Dividends per common share (in dollars per share)

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