$PBHC
Pathfinder Bancorp, Inc.

2018 Q2 Form 10-Q Financial Statement

#000156459018021248 Filed on August 10, 2018

View on sec.gov

Income Statement

Concept 2018 Q2 2017 Q4 2017 Q2
Revenue $7.084M
YoY Change 20.76%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $300.0K $290.0K $250.0K
YoY Change 20.0% 7.41% 8.7%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $2.049M $1.503M
YoY Change 36.33% 72.16%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $1.067M $770.0K $1.197M
YoY Change -10.86% -38.4% 9.72%
Income Tax $166.0K $210.0K $238.0K
% Of Pretax Income 15.56% 27.27% 19.88%
Net Earnings $945.0K $860.0K $920.0K
YoY Change 2.72% -10.42% 10.58%
Net Earnings / Revenue 12.99%
Basic Earnings Per Share $0.23 $0.23
Diluted Earnings Per Share $0.22 $203.8K $0.22
COMMON SHARES
Basic Shares Outstanding 4.157M 4.074M
Diluted Shares Outstanding 4.256M 4.183M

Balance Sheet

Concept 2018 Q2 2017 Q4 2017 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $36.74M $21.99M $15.32M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $16.70M $16.12M $15.78M
YoY Change 5.82% 6.19% 5.92%
Goodwill $4.536M $4.536M
YoY Change 0.0%
Intangibles $182.0K $190.0K
YoY Change -8.08%
Long-Term Investments $500.0K
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $903.5M $881.3M $811.2M
YoY Change 11.38% 17.65% 20.9%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $300.0K $200.0K $100.0K
YoY Change 200.0% 100.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $30.60M $41.54M
YoY Change -27.05%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $300.0K $200.0K $100.0K
YoY Change 200.0% 100.0%
LONG-TERM LIABILITIES
Long-Term Debt $15.10M $43.29M $43.16M
YoY Change -65.01% 154.64% 187.73%
Other Long-Term Liabilities $8.000M $6.400M $6.000M
YoY Change 33.33% 14.29% -4.76%
Total Long-Term Liabilities $23.10M $43.29M $43.16M
YoY Change -46.48% 154.64% 102.63%
TOTAL LIABILITIES
Total Short-Term Liabilities $300.0K $200.0K $100.0K
Total Long-Term Liabilities $23.10M $43.29M $43.16M
Total Liabilities $840.9M $819.1M $749.7M
YoY Change 12.17% 18.6% 22.64%
SHAREHOLDERS EQUITY
Retained Earnings $39.02M $36.92M
YoY Change 9.55%
Common Stock $43.00K $43.00K
YoY Change 0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $62.60M $61.81M $61.06M
YoY Change
Total Liabilities & Shareholders Equity $903.5M $881.3M $811.2M
YoY Change 11.38% 17.65% 20.9%

Cashflow Statement

Concept 2018 Q2 2017 Q4 2017 Q2
OPERATING ACTIVITIES
Net Income $945.0K $860.0K $920.0K
YoY Change 2.72% -10.42% 10.58%
Depreciation, Depletion And Amortization $300.0K $290.0K $250.0K
YoY Change 20.0% 7.41% 8.7%
Cash From Operating Activities $3.580M $2.480M $2.860M
YoY Change 25.17% 7.36% 3.25%
INVESTING ACTIVITIES
Capital Expenditures -$210.0K -$340.0K -$320.0K
YoY Change -34.38% -17.07% 68.42%
Acquisitions
YoY Change
Other Investing Activities $5.750M -$47.21M -$29.63M
YoY Change -119.41% 32.32% 350.3%
Cash From Investing Activities $5.550M -$47.54M -$29.95M
YoY Change -118.53% 31.73% 342.39%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 9.330M 5.820M 5.790M
YoY Change 61.14% -82.11% 67.83%
NET CHANGE
Cash From Operating Activities 3.580M 2.480M 2.860M
Cash From Investing Activities 5.550M -47.54M -29.95M
Cash From Financing Activities 9.330M 5.820M 5.790M
Net Change In Cash 18.46M -39.24M -21.30M
YoY Change -186.67% 3039.2% 3772.73%
FREE CASH FLOW
Cash From Operating Activities $3.580M $2.480M $2.860M
Capital Expenditures -$210.0K -$340.0K -$320.0K
Free Cash Flow $3.790M $2.820M $3.180M
YoY Change 19.18% 3.68% 7.43%

Facts In Submission

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<div> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Note 2: &nbsp;&nbsp;New Accounting Pronouncements</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Financial Accounting Standards Board (&#8220;FASB&#8221;) and, to a lesser extent, other authoritative rulemaking bodies promulgate generally accepted accounting principles (&#8220;GAAP&#8221;) to regulate the standards of accounting in the United States.&nbsp;&nbsp;From time to time, the FASB issues new GAAP standards, known as Accounting Standards Updates (&#8220;ASUs&#8221;) some of which, upon adoption, may have the potential to change the way in which the Company recognizes or reports within its consolidated financial statements.&nbsp;&nbsp;The following presentation provides a description of an accounting standard that was adopted in the second quarter of 2018 as well as standards that are not currently effective but could have an impact on the Company's consolidated financial statements upon adoption. </p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">Standards Adopted in the Quarter Ended June 30, 2018</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard: <font style="font-weight:normal;">Improvements to Accounting for&#160;Hedging Activities (</font><font style="font-style:italic;font-weight:normal;">ASU 2017-12: Derivatives and Hedging [Topic 815]: Targeted Improvements to Accounting for Hedging Activities</font><font style="font-weight:normal;">)</font></p> <p style="text-align:justify;margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description: <font style="font-weight:normal;">The amended guidance expands and clarifies hedge accounting for nonfinancial and financial risk components, aligns the recognition and presentation of the effects of the hedging instrument and hedged item in the financial statements, and simplifies the requirements for assessing effectiveness in a hedging relationship.</font></p> <p style="text-align:justify;margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date of Implementation: <font style="font-weight:normal;">January 1, 2019 (early adoption permitted)</font></p> <p style="text-align:justify;margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements:&nbsp;&nbsp;<font style="font-weight:normal;">The Company adopted this guidance, effective January 1, 2018, in the second quarter of 2018.&nbsp;&nbsp;As a result of the adoption of this Update, the Company transferred 52 securities with an aggregate amortized cost before transfer of $35.2 million from the held-to-maturity classification to the available-for-sale classification on that date.&nbsp;&nbsp;The transfer of these securities resulted in a decrease in accumulated other comprehensive loss of $359,000 on the adoption date.&nbsp;&nbsp;The Company had no derivative or hedging positions at June 30, 2018 and, as a result, the adoption of this Update had no other material impact on the consolidated financial statements of the Company at the date of adoption or at June 30, 2018. </font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">Standards Not Yet Adopted as of June 30, 2018</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard<font style="font-weight:normal;">:&nbsp;&nbsp;Leases (</font><font style="font-style:italic;font-weight:normal;">ASU 2016-02: Leases [Topic 842]</font><font style="font-weight:normal;">)</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description:&nbsp;&nbsp;<font style="font-weight:normal;">The new guidance requires lessees to record a right-of-use asset and a lease liability for all leases with a term greater than 12 months.&#160;&#160;While the guidance requires all leases to be recognized in the balance sheet, there continues to be a differentiation between finance leases and operating leases for purposes of income statement recognition and cash flow statement presentation.&#160;&#160;For finance leases, interest on the lease liability and amortization of the right-of-use asset will be recognized separately in the statement of income.&#160;&#160;Repayments of principal on those lease liabilities will be classified within financing activities and payments of interest on the lease liability will be classified within operating activities in the statement of cash flows.&#160;&#160;For operating leases, a single lease cost is recognized in the statement of income and allocated over the lease term, generally on a straight-line basis.&#160;&#160;All cash payments are presented within operating activities in the statement of cash flows. The accounting applied by lessors is largely unchanged from existing GAAP, however, the guidance eliminates the accounting model for leveraged leases for leases that commence after the effective date of the guidance.</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date of Implementation:&nbsp;&nbsp;<font style="font-weight:normal;">January 1, 2019 (early adoption permitted)</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements:&nbsp;&nbsp;<font style="font-weight:normal;">The Company occupies certain banking offices and uses certain equipment under noncancelable operating lease agreements which currently are not reflected in its consolidated balance sheet.&#160;&#160;Upon adoption of the guidance, the Company expects to report increased assets and increased liabilities as a result of recognizing right-of-use assets and lease liabilities on its consolidated balance sheet. The Company was committed to $1.1 million of minimum lease payments under noncancelable operating lease agreements at June 30, 2018.&#160;&#160;In addition, the Company leases office and similar use space, also under noncancelable operating lease agreements to unrelated entities within a limited number of its real estate locations.&nbsp;&nbsp;At June 30, 2018, the Company expects to receive approximately $1.0 million of minimum lease payments under those agreements.&nbsp;&nbsp;The Company does not expect the new guidance will have a material impact to its consolidated statement of income.</font></p> <p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">___</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard:&nbsp;&nbsp;<font style="font-weight:normal;">Leases (</font><font style="font-style:italic;font-weight:normal;">ASU 2018-10: Codification Improvements to Topic 842, Leases)</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description: <font style="font-weight:normal;">The Board has an ongoing project on its agenda about improvements to clarify the Codification or to correct unintended application of guidance related to ASU 2016-02. Those items generally are not expected to have a significant effect on current accounting practice or create a significant administrative cost for most entities. The amendments in this Update are of a similar nature to the items typically addressed in the Codification improvements project. However, the Board decided to issue a separate Update for the improvements related to Update 2016-02 to increase stakeholders&#8217; awareness of the amendments and to expedite the improvements.</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date of Implementation: <font style="font-weight:normal;">January 1, 2019 (early adoption permitted)</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements:&nbsp;&nbsp;<font style="font-weight:normal;">See comments, above, related to the adoption of ASU 2016-02</font></p> <p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">___</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard:&nbsp;&nbsp;<font style="font-weight:normal;">Premium Amortization on Purchased Callable Debt Securities (</font><font style="font-style:italic;font-weight:normal;">ASU 2017-08: Receivables&#8212;Nonrefundable Fees and Other Costs [Subtopic 310-20]: Premium Amortization on Purchased Callable Debt Securities</font><font style="font-weight:normal;">)</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description:&nbsp;&nbsp;<font style="font-weight:normal;">The amended guidance requires the premium on callable debt securities to be amortized to the earliest call date.&#160;&#160;The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity.</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date of Implementation:&nbsp;&nbsp;<font style="font-weight:normal;">January 1, 2019 (early adoption permitted)</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements:&nbsp;&nbsp;<font style="font-weight:normal;">The amendments should be applied on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. The Company does not expect the guidance to have a material impact on its consolidated financial statements.</font></p> <p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">____</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard:&nbsp;&nbsp;<font style="font-weight:normal;">Improvements to Nonemployee Share-Based Payment Accounting (</font><font style="font-style:italic;font-weight:normal;">ASU 2018-07: Compensation - Stock Compensation [Topic 718])</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description:&nbsp;&nbsp;<font style="font-weight:normal;">Consistent with the accounting requirement for employee share-based payment awards, under the new guidance, nonemployee share-based payment awards within the scope of Topic 718 are measured on the grant date at the grant-date fair value of the equity instruments that an entity is obligated to issue when the good has been delivered or the service has been rendered and any other conditions necessary to earn the right to benefit from the instruments have been satisfied.&nbsp;&nbsp;The amendments in this Update affect all entities that enter into share-based payment transactions for acquiring goods and services from nonemployees.</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date of Implementation:&nbsp;&nbsp;<font style="font-weight:normal;">January 1, 2019 (early adoption permitted)</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements:&nbsp;&nbsp;<font style="font-weight:normal;">The amendments should be applied using a prospective transition method. The Company does not expect the guidance will have a material impact on its consolidated financial statements.</font></p> <p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">____</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard:&nbsp;&nbsp;<font style="font-weight:normal;">Measurement of Credit Losses on Financial Instruments (</font><font style="font-style:italic;font-weight:normal;">ASU 2016-13: Financial Instruments&#8212;Credit Losses [Topic 326]: Measurement of Credit Losses on Financial Instruments</font><font style="font-weight:normal;">)</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description: <font style="font-weight:normal;">The amended guidance replaces the current incurred loss model for determining the allowance for credit losses. The guidance requires financial assets measured at amortized cost to be presented at the net amount expected to be collected.&#160;&#160;The allowance for credit losses will represent a valuation account that is deducted from the amortized cost basis of the financial assets to present their net carrying value at the amount expected to be collected. The income statement will reflect the measurement of credit losses for newly recognized financial assets as well as expected increases or decreases of expected credit losses that have taken place during the period. When determining the allowance, expected credit losses over the contractual term of the financial asset(s) (taking into account prepayments) will be estimated considering relevant information about past events, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount.&#160;&#160;The amended guidance also requires recording an allowance for credit losses for purchased financial assets with a more-than-insignificant amount of credit deterioration since origination.&#160;&#160;The initial allowance for these assets will be added to the purchase price at acquisition rather than being reported as an expense.&#160;&#160;Subsequent changes in the allowance will be recorded through the income statement as an expense adjustment.&#160;&#160;In addition, the amended guidance requires credit losses relating to available-for-sale debt securities to be recorded through an allowance for credit losses. The calculation of credit losses for available-for-sale securities will be similar to how it is determined under existing guidance.</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date of Implementation:&nbsp;&nbsp;<font style="font-weight:normal;">January 1, 2020 (early adoption permitted as of January 1, 2019)</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements:&nbsp;&nbsp;<font style="font-weight:normal;">The Company is assessing the new guidance to determine what modifications to existing credit estimation processes may be required.&nbsp;&nbsp;The Company expects that the new guidance will result in an increase in its allowance for credit losses as a result of considering credit losses over the expected life of its loan and debt securities portfolios.&nbsp;&nbsp;Increases in the level of allowances will also reflect new requirements to include estimated credit losses on investment securities classified as held-to-maturity, if any.&nbsp;&nbsp;The Company has formed an Implementation Committee, whose membership includes representatives of senior management, to develop plans that will encompass: (1) internal methodology changes (2) data collection and management activities, (3) internal communication requirements, and (4) estimation of the projected impact of this guidance.&nbsp;&nbsp;The amount of any change in the allowance for credit losses resulting from the new guidance will ultimately be impacted by the provisions of this guidance as well as by the loan and debt security portfolios composition and asset quality at the adoption date, and economic conditions and forecasts at the time of adoption.</font></p> <p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">____</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard:&nbsp;&nbsp;<font style="font-weight:normal;">Simplifying the Test for Goodwill Impairment (</font><font style="font-style:italic;font-weight:normal;">ASU 2017-04: Intangibles&#8212;Goodwill and Other [Topic 350]: Simplifying the Test for Goodwill Impairment</font><font style="font-weight:normal;">)</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description:&nbsp;&nbsp;<font style="font-weight:normal;">Current guidance requires a two-step approach to determining if recorded goodwill is impaired.&nbsp;&nbsp;In Step 1, reporting entities must first evaluate whether or not the carrying value of a reporting unit is greater than its fair value . In Step 2, if a reporting unit&#8217;s carrying value is greater than its fair value, then the entity should calculate the implied fair value of goodwill. If the carrying value of goodwill is more than the implied fair value, an impairment charge for the difference must be recorded.&nbsp;&nbsp;The amended guidance eliminates Step 2 from the goodwill impairment test.&nbsp;&nbsp;Therefore, under the new guidance, if the carrying value of a reporting unit is greater than its fair value, a goodwill impairment charge will be recorded for the difference (up to the carrying value of the recorded goodwill).</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date of Implementation: <font style="font-weight:normal;">January 1, 2020 (early adoption permitted)</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements:&nbsp;&nbsp;<font style="font-weight:normal;">The amendments should be applied using a prospective transition method. The Company does not expect the guidance will have a material impact on its consolidated financial statements, unless at some point in the future one of its reporting units were to fail Step 1 of the goodwill impairment test.</font></p> <p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">____</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard:&nbsp;&nbsp;<font style="font-weight:normal;">Leases (</font><font style="font-style:italic;font-weight:normal;">ASU 2018-11: Codification Improvements to Topic 842, Leases)</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description:&nbsp;&nbsp;<font style="font-weight:normal;">The amendments in this Update provide entities with an additional (and optional) transition method to adopt the new leases standard. Under this new transition method, an entity initially applies the new leases standard at the adoption date and recognizes a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption consistent with preparers&#8217; requests. Consequently, an entity&#8217;s reporting for the comparative periods presented in the financial statements in which it adopts the new leases standard will continue to be in accordance with current GAAP (Topic 840, Leases). An entity that elects this additional (and optional) transition method must provide the required Topic 840 disclosures for all periods that continue to be in accordance with Topic 840. The amendments do not change the existing disclosure requirements in Topic 840 (for example, they do not create interim disclosure requirements that entities previously were not required to provide</font><font style="font-size:9pt;font-family:Arial;font-weight:normal;color:#000000;">).&nbsp;&nbsp;</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:9pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this Update provide lessors with a practical expedient, by class of underlying asset, to not separate nonlease components from the associated lease component and, instead, to account for those components as a single component if the nonlease components otherwise would be accounted for under the new revenue guidance (Topic 606) and both of the following are met:</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" style="width:3.33%;white-space:nowrap"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;color:#000000;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p></td> <td valign="top" style="width:3.33%;white-space:nowrap"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-family:'Times New (W1)';font-size:11pt;">1.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;color:#000000;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The timing and pattern of transfer of the nonlease component(s) and associated lease component are the same.</p></td></tr></table></div> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" style="width:3.33%;white-space:nowrap"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;color:#000000;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p></td> <td valign="top" style="width:3.33%;white-space:nowrap"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-family:'Times New (W1)';font-size:11pt;">2.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;color:#000000;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The lease component, if accounted for separately, would be classified as an operating lease.</p></td></tr></table></div> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If the nonlease component or components associated with the lease component are the predominant component of the combined component, an entity is required to account for the combined component in accordance with Topic 606. Otherwise, the entity must account for the combined component as an operating lease in accordance with Topic 842.</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">An entity electing this practical expedient (including an entity that accounts for the combined component entirely in Topic 606) is required to disclose the following by class of underlying asset:</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" style="width:3.33%;white-space:nowrap"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;color:#000000;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p></td> <td valign="top" style="width:3.33%;white-space:nowrap"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-family:'Times New (W1)';font-size:11pt;">1.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;color:#000000;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The fact that it elected the expedient</p></td></tr></table></div> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" style="width:3.33%;white-space:nowrap"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;color:#000000;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p></td> <td valign="top" style="width:3.33%;white-space:nowrap"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-family:'Times New (W1)';font-size:11pt;">2.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;color:#000000;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Which class(es) of underlying asset the lessor made the election to</p></td></tr></table></div> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" style="width:3.33%;white-space:nowrap"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;color:#000000;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p></td> <td valign="top" style="width:3.33%;white-space:nowrap"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-family:'Times New (W1)';font-size:11pt;">3.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;color:#000000;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The nature of (a) the lease component and nonlease component(s) that were combined as a result of applying the&nbsp;&nbsp; practical expedient and (b) any nonlease components that were not eligible for the practical expedient and, thus, not combined </p></td></tr></table></div> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" style="width:3.33%;white-space:nowrap"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;color:#000000;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p></td> <td valign="top" style="width:3.33%;white-space:nowrap"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-family:'Times New (W1)';font-size:11pt;">4.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;color:#000000;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Topic the entity applies to the combined component (Topic 606 or Topic 842).</p></td></tr></table></div> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date of Implementation: <font style="font-weight:normal;">January 1, 2019 (early adoption permitted)</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements:&nbsp;&nbsp;<font style="font-weight:normal;">See comments, above, related to the adoption of ASU 2016-02</font></p> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></div>
CY2018Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4157000
CY2017Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4074000
CY2018Q2 pbhc Consolidation Of Membership Interest In Subsidiary
ConsolidationOfMembershipInterestInSubsidiary
1.00
CY2018Q2 us-gaap Lessee Operating Lease Term Of Contract
LesseeOperatingLeaseTermOfContract
P12M
CY2018Q2 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
945000
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
1949000
CY2018Q2 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
945000
CY2018Q2 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
99000
CY2018Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4256000
CY2018Q2 us-gaap Available For Sale Securities Amortized Cost
AvailableForSaleSecuritiesAmortizedCost
188427000
CY2018Q2 us-gaap Available For Sale Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
275000
CY2018Q2 us-gaap Available For Sale Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
4672000
CY2018Q2 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Gain
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
54000
CY2018Q2 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Loss
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
457000
CY2017Q4 us-gaap Available For Sale Securities Amortized Cost
AvailableForSaleSecuritiesAmortizedCost
173246000
CY2017Q4 us-gaap Available For Sale Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
290000
CY2017Q4 us-gaap Available For Sale Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
2398000
CY2017Q4 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Gain
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
949000
CY2017Q4 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Loss
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
719000
CY2018Q2 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
8236000
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AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
25042000
CY2018Q2 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
18331000
CY2018Q2 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
22299000
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AggregateOfAvailableForSaleSecuritiesDebtMaturitiesAmortizedCostBasis
73908000
CY2018Q2 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
188222000
CY2018Q2 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
8215000
CY2018Q2 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
24758000
CY2018Q2 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
18081000
CY2018Q2 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
21759000
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AggregateOfAvailableForSaleSecuritiesDebtMaturitiesFairValue
72813000
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AvailableForSaleSecuritiesDebtMaturitiesFairValueNet
183825000
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1211000
CY2018Q2 us-gaap Held To Maturity Securities Debt Maturities After One Through Five Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
6474000
CY2018Q2 us-gaap Held To Maturity Securities Debt Maturities After Five Through Ten Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
4864000
CY2018Q2 us-gaap Held To Maturity Securities Debt Maturities After Ten Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue
2737000
pbhc Number Of Loans Secured By Liens On Automobiles
NumberOfLoansSecuredByLiensOnAutomobiles
1231
CY2018Q2 pbhc Number Of Loans Outstanding
NumberOfLoansOutstanding
1000
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HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue
1207000
CY2018Q2 us-gaap Held To Maturity Securities Debt Maturities After One Through Five Years Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount
6503000
CY2018Q2 us-gaap Held To Maturity Securities Debt Maturities After Five Through Ten Years Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount
4940000
CY2018Q2 us-gaap Held To Maturity Securities Debt Maturities After Ten Years Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount
2943000
CY2018Q2 pbhc Aggregate Of Held To Maturity Securities Debt Maturities Carrying Amount
AggregateOfHeldToMaturitySecuritiesDebtMaturitiesCarryingAmount
15597000
CY2018Q2 pbhc Aggregate Of Held To Maturity Securities Debt Maturities Fair Value
AggregateOfHeldToMaturitySecuritiesDebtMaturitiesFairValue
15282000
CY2018Q2 pbhc Held To Maturity Number Of Securities In Unrealized Loss Positions Less Than Twelve Months
HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositionsLessThanTwelveMonths
18
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HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
167000
CY2018Q2 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
11426000
CY2018Q2 pbhc Held To Maturity Number Of Securities In Unrealized Loss Positions Twelve Months Or More
HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositionsTwelveMonthsOrMore
6
CY2018Q2 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
290000
CY2018Q2 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
5959000
CY2018Q2 pbhc Held To Maturity Number Of Securities In Unrealized Loss Positions
HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositions
24
CY2018Q2 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
457000
CY2018Q2 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue
17385000
CY2017Q4 pbhc Held To Maturity Number Of Securities In Unrealized Loss Positions Less Than Twelve Months
HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositionsLessThanTwelveMonths
18
CY2017Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
302000
CY2017Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
16516000
CY2017Q4 pbhc Held To Maturity Number Of Securities In Unrealized Loss Positions Twelve Months Or More
HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositionsTwelveMonthsOrMore
13
CY2017Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
417000
CY2017Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
11719000
CY2017Q4 pbhc Held To Maturity Number Of Securities In Unrealized Loss Positions
HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositions
31
CY2017Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
719000
CY2017Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue
28235000
CY2018Q2 pbhc Realized Gains On Investments Sold
RealizedGainsOnInvestmentsSold
133000
CY2017Q2 pbhc Realized Gains On Investments Sold
RealizedGainsOnInvestmentsSold
70000
pbhc Realized Gains On Investments Sold
RealizedGainsOnInvestmentsSold
160000
pbhc Realized Gains On Investments Sold
RealizedGainsOnInvestmentsSold
148000
CY2018Q2 pbhc Realized Gains Losses On Hedging Activity
RealizedGainsLossesOnHedgingActivity
0
CY2017Q2 pbhc Realized Gains Losses On Hedging Activity
RealizedGainsLossesOnHedgingActivity
156000
CY2018Q2 pbhc Realized Losses On Sale Of Investments
RealizedLossesOnSaleOfInvestments
155000
CY2017Q2 pbhc Realized Losses On Sale Of Investments
RealizedLossesOnSaleOfInvestments
91000
pbhc Realized Losses On Sale Of Investments
RealizedLossesOnSaleOfInvestments
289000
CY2017Q2 us-gaap Gain Loss On Sale Of Equity Investments
GainLossOnSaleOfEquityInvestments
0
us-gaap Gain Loss On Sale Of Equity Investments
GainLossOnSaleOfEquityInvestments
0
CY2018Q2 us-gaap Debt And Equity Securities Gain Loss
DebtAndEquitySecuritiesGainLoss
13000
CY2017Q2 us-gaap Debt And Equity Securities Gain Loss
DebtAndEquitySecuritiesGainLoss
0
us-gaap Debt And Equity Securities Gain Loss
DebtAndEquitySecuritiesGainLoss
26000
us-gaap Debt And Equity Securities Gain Loss
DebtAndEquitySecuritiesGainLoss
0
CY2018Q2 pbhc Securities Pledged To Collateralize Deposit
SecuritiesPledgedToCollateralizeDeposit
108500000
CY2017Q4 pbhc Securities Pledged To Collateralize Deposit
SecuritiesPledgedToCollateralizeDeposit
113000000
CY2018Q2 pbhc Securities Pledged To Collateralize Borrowing
SecuritiesPledgedToCollateralizeBorrowing
25400000
CY2017Q4 pbhc Securities Pledged To Collateralize Borrowing
SecuritiesPledgedToCollateralizeBorrowing
19900000
pbhc Minimum Years Of Service To Participate In Health And Life Insurance Benefits
MinimumYearsOfServiceToParticipateInHealthAndLifeInsuranceBenefits
P14Y
CY2018Q2 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
607327000
CY2017Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
581244000
CY2018Q2 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
142000
CY2017Q4 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
413000
CY2017Q1 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Outstanding Balance
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesOutstandingBalance
15600000
CY2017Q2 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Outstanding Balance
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesOutstandingBalance
10200000
pbhc Participating Interest Of Acquired Loan Percentage
ParticipatingInterestOfAcquiredLoanPercentage
0.90
CY2017Q4 pbhc Number Of Loans Outstanding
NumberOfLoansOutstanding
1082
CY2018Q2 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet
16300000
pbhc Number Of Acquired Loan Cumulative Net Charge Offs
NumberOfAcquiredLoanCumulativeNetChargeOffs
9
CY2017Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
568895000
CY2018Q2 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
5445000
CY2017Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
4894000
CY2018Q2 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
7828000
pbhc Acquired Loans Cumulative Net Charge Offs
AcquiredLoansCumulativeNetChargeOffs
79000
us-gaap Allowance For Loan And Lease Losses Writeoffs Net
AllowanceForLoanAndLeaseLossesWriteoffsNet
34000000
pbhc Number Of Portfolio Segment
NumberOfPortfolioSegment
3
CY2017Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
12349000
CY2018Q2 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
7829000
CY2018Q2 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
599498000
CY2018Q2 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
7887000
CY2018Q2 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
1171000
CY2017Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
9243000
CY2017Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
9300000
CY2017Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
1103000
CY2018Q2 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
8451000
CY2017Q2 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
7541000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
8714000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
7892000
CY2018Q2 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
58000
CY2017Q2 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
76000
us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
144000
us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
146000
CY2018Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7451000
CY2018Q2 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
220000
CY2018Q2 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
77000
CY2018Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7605000
CY2018Q2 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
1171000
CY2018Q2 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
6434000
CY2018Q2 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
7828000
CY2018Q2 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
599499000
CY2017Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7126000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
541000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
110000
CY2017Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
5964000
CY2017Q2 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
152000
CY2017Q2 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
23000
CY2017Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
6258000
CY2017Q2 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
718000
CY2017Q2 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
5540000
CY2017Q2 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
549201000
CY2017Q2 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
7296000
CY2017Q2 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
541905000
CY2016Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
6247000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
840000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
39000
CY2018Q2 pbhc Financing Receivable Allowance For Credit Losses Specifically Reserved
FinancingReceivableAllowanceForCreditLossesSpecificallyReserved
1171000
CY2018Q2 pbhc Financing Receivable Allowance For Credit Losses Historical Loss Rate
FinancingReceivableAllowanceForCreditLossesHistoricalLossRate
374000
CY2018Q2 pbhc Financing Receivable Allowance For Credit Losses Qualitative Factors
FinancingReceivableAllowanceForCreditLossesQualitativeFactors
6046000
CY2018Q2 pbhc Financing Receivable Allowance For Credit Losses Other
FinancingReceivableAllowanceForCreditLossesOther
14000
CY2017Q2 pbhc Financing Receivable Allowance For Credit Losses Specifically Reserved
FinancingReceivableAllowanceForCreditLossesSpecificallyReserved
718000
CY2017Q2 pbhc Financing Receivable Allowance For Credit Losses Historical Loss Rate
FinancingReceivableAllowanceForCreditLossesHistoricalLossRate
322000
CY2017Q2 pbhc Financing Receivable Allowance For Credit Losses Qualitative Factors
FinancingReceivableAllowanceForCreditLossesQualitativeFactors
5218000
CY2018Q2 us-gaap Mortgage Loans In Process Of Foreclosure Amount
MortgageLoansInProcessOfForeclosureAmount
1300000
CY2017Q4 pbhc Common Stock Financial Services Industry Fair Value Disclosure
CommonStockFinancialServicesIndustryFairValueDisclosure
515000
us-gaap Proceeds From Payments For In Securities Sold Under Agreements To Repurchase
ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase
40000000
pbhc Repurchase Agreements Period
RepurchaseAgreementsPeriod
P30D
CY2017Q2 pbhc Recognized Gains Losses On Sale Of Securities
RecognizedGainsLossesOnSaleOfSecurities
156000
CY2017Q2 pbhc After Tax Interest Expense Partially Offset
AfterTaxInterestExpensePartiallyOffset
137000
us-gaap Reclassification From Accumulated Other Comprehensive Income Current Period Net Of Tax
ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax
159000
pbhc Recognized Gains Losses On Sale Of Securities
RecognizedGainsLossesOnSaleOfSecurities
250000
CY2017Q2 pbhc Recognized Tax Benefits From Reversal Of Reserves
RecognizedTaxBenefitsFromReversalOfReserves
60000
pbhc Recognized Tax Benefits From Reversal Of Reserves
RecognizedTaxBenefitsFromReversalOfReserves
96000
CY2017Q2 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.213
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.226
CY2017Q2 pbhc Expected Effective Income Tax With No Impact Of Hedging Rate Reconciliation Percent
ExpectedEffectiveIncomeTaxWithNoImpactOfHedgingRateReconciliationPercent
0.267
pbhc Expected Effective Income Tax With No Impact Of Hedging Rate Reconciliation Percent
ExpectedEffectiveIncomeTaxWithNoImpactOfHedgingRateReconciliationPercent
0.271
pbhc After Tax Interest Expense Partially Offset
AfterTaxInterestExpensePartiallyOffset
266000
CY2017Q2 pbhc Reduction In Pretax Interest Margin
ReductionInPretaxInterestMargin
222000
pbhc Reduction In Pretax Interest Margin
ReductionInPretaxInterestMargin
430000
CY2017Q2 pbhc Increase Decrease In After Tax Net Income
IncreaseDecreaseInAfterTaxNetIncome
79000
pbhc Increase Decrease In After Tax Net Income
IncreaseDecreaseInAfterTaxNetIncome
80000
CY2018Q2 us-gaap Other Comprehensive Income Loss Before Reclassifications Net Of Tax
OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
-507000
CY2018Q2 us-gaap Reclassification From Accumulated Other Comprehensive Income Current Period Net Of Tax
ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax
48000
CY2017Q2 us-gaap Other Comprehensive Income Loss Before Reclassifications Net Of Tax
OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
845000
CY2017Q2 us-gaap Reclassification From Accumulated Other Comprehensive Income Current Period Net Of Tax
ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax
-58000
us-gaap Other Comprehensive Income Loss Before Reclassifications Net Of Tax
OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
-1728000
us-gaap Other Comprehensive Income Loss Before Reclassifications Net Of Tax
OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
1480000
us-gaap Reclassification From Accumulated Other Comprehensive Income Current Period Net Of Tax
ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax
-78000
CY2018Q2 us-gaap Noninterest Income Other
NoninterestIncomeOther
15000
CY2017Q2 us-gaap Noninterest Income Other
NoninterestIncomeOther
19000
us-gaap Noninterest Income Other
NoninterestIncomeOther
90000
us-gaap Noninterest Income Other
NoninterestIncomeOther
37000

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