$PBHC
Pathfinder Bancorp Inc (MARYLAND)

2019 Q2 Form 10-Q Financial Statement

#000156459019031063 Filed on August 09, 2019

View on sec.gov

Income Statement

Concept 2019 Q2 2018 Q2
Revenue $10.11M
YoY Change
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 $380.0K $300.0K
YoY Change 26.67% 20.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $3.402M $2.049M
YoY Change 66.03% 36.33%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $776.0K $1.067M
YoY Change -27.27% -10.86%
Income Tax $175.0K $166.0K
% Of Pretax Income 22.55% 15.56%
Net Earnings $607.0K $945.0K
YoY Change -35.77% 2.72%
Net Earnings / Revenue 6.01%
Basic Earnings Per Share $0.11 $0.23
Diluted Earnings Per Share $0.11 $0.22
COMMON SHARES
Basic Shares Outstanding 4.443M 4.157M
Diluted Shares Outstanding 4.443M 4.256M

Balance Sheet

Concept 2019 Q2 2018 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $50.85M
YoY Change
Cash & Equivalents $50.34M $36.74M
Short-Term Investments $510.0K
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $22.25M $16.70M
YoY Change 33.22% 5.82%
Goodwill $4.536M
YoY Change
Intangibles $157.0K
YoY Change
Long-Term Investments $500.0K $500.0K
YoY Change 0.0%
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $1.013B $903.5M
YoY Change 12.1% 11.38%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $400.0K $300.0K
YoY Change 33.33% 200.0%
Accrued Expenses $2.700M
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $29.00M
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $3.100M $300.0K
YoY Change 933.33% 200.0%
LONG-TERM LIABILITIES
Long-Term Debt $60.43M $15.10M
YoY Change 300.23% -65.01%
Other Long-Term Liabilities $8.700M $8.000M
YoY Change 8.75% 33.33%
Total Long-Term Liabilities $60.43M $23.10M
YoY Change 161.62% -46.48%
TOTAL LIABILITIES
Total Short-Term Liabilities $3.100M $300.0K
Total Long-Term Liabilities $60.43M $23.10M
Total Liabilities $925.0M $840.9M
YoY Change 10.0% 12.17%
SHAREHOLDERS EQUITY
Retained Earnings $42.39M
YoY Change
Common Stock $47.00K
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $87.61M $62.60M
YoY Change
Total Liabilities & Shareholders Equity $1.013B $903.5M
YoY Change 12.1% 11.38%

Cashflow Statement

Concept 2019 Q2 2018 Q2
OPERATING ACTIVITIES
Net Income $607.0K $945.0K
YoY Change -35.77% 2.72%
Depreciation, Depletion And Amortization $380.0K $300.0K
YoY Change 26.67% 20.0%
Cash From Operating Activities $4.640M $3.580M
YoY Change 29.61% 25.17%
INVESTING ACTIVITIES
Capital Expenditures -$1.090M -$210.0K
YoY Change 419.05% -34.38%
Acquisitions
YoY Change
Other Investing Activities -$12.99M $5.750M
YoY Change -325.91% -119.41%
Cash From Investing Activities -$14.09M $5.550M
YoY Change -353.87% -118.53%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 34.96M 9.330M
YoY Change 274.71% 61.14%
NET CHANGE
Cash From Operating Activities 4.640M 3.580M
Cash From Investing Activities -14.09M 5.550M
Cash From Financing Activities 34.96M 9.330M
Net Change In Cash 25.51M 18.46M
YoY Change 38.19% -186.67%
FREE CASH FLOW
Cash From Operating Activities $4.640M $3.580M
Capital Expenditures -$1.090M -$210.0K
Free Cash Flow $5.730M $3.790M
YoY Change 51.19% 19.18%

Facts In Submission

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CY2019Q2 us-gaap Profit Loss
ProfitLoss
601000
CY2018Q2 us-gaap Profit Loss
ProfitLoss
901000
us-gaap Profit Loss
ProfitLoss
1135000
us-gaap Profit Loss
ProfitLoss
1935000
CY2019Q2 us-gaap Net Income Loss Attributable To Noncontrolling Interest
NetIncomeLossAttributableToNoncontrollingInterest
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CY2018Q2 us-gaap Net Income Loss Attributable To Noncontrolling Interest
NetIncomeLossAttributableToNoncontrollingInterest
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us-gaap Net Income Loss Attributable To Noncontrolling Interest
NetIncomeLossAttributableToNoncontrollingInterest
14000
us-gaap Net Income Loss Attributable To Noncontrolling Interest
NetIncomeLossAttributableToNoncontrollingInterest
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CY2019Q2 us-gaap Net Income Loss
NetIncomeLoss
607000
CY2018Q2 us-gaap Net Income Loss
NetIncomeLoss
945000
us-gaap Net Income Loss
NetIncomeLoss
1121000
us-gaap Net Income Loss
NetIncomeLoss
1949000
CY2019Q2 us-gaap Preferred Stock Dividends Income Statement Impact
PreferredStockDividendsIncomeStatementImpact
69000
us-gaap Preferred Stock Dividends Income Statement Impact
PreferredStockDividendsIncomeStatementImpact
69000
CY2019Q2 pbhc Warrant Dividends Income Statement Impact
WarrantDividendsIncomeStatementImpact
8000
pbhc Warrant Dividends Income Statement Impact
WarrantDividendsIncomeStatementImpact
8000
CY2019Q2 us-gaap Undistributed Earnings Loss Allocated To Participating Securities Basic
UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic
38000
us-gaap Undistributed Earnings Loss Allocated To Participating Securities Basic
UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic
41000
CY2019Q2 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
492000
CY2018Q2 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
945000
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
1003000
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
1949000
CY2019Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.11
CY2018Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.23
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.23
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.47
CY2019Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.11
CY2018Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.22
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.23
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.46
CY2019Q2 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.06
CY2018Q2 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.06
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.12
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.12
CY2019Q2 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci Pension And Other Postretirement Benefit Plans For Net Gain Loss Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
-84000
CY2018Q2 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci Pension And Other Postretirement Benefit Plans For Net Gain Loss Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
-43000
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci Pension And Other Postretirement Benefit Plans For Net Gain Loss Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
-168000
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci Pension And Other Postretirement Benefit Plans For Net Gain Loss Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
-86000
CY2019Q2 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
1759000
CY2018Q2 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-1156000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
3748000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-2502000
CY2019Q2 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
32000
CY2019Q2 us-gaap Other Comprehensive Income Loss Before Tax
OtherComprehensiveIncomeLossBeforeTax
1820000
CY2018Q2 us-gaap Other Comprehensive Income Loss Before Tax
OtherComprehensiveIncomeLossBeforeTax
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us-gaap Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
4153000
us-gaap Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
366000
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
111000
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
-129000
CY2019Q2 us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax
1727000
CY2018Q2 us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax
-1134000
us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax
3637000
us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax
-2373000
CY2019Q2 pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Before Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodBeforeTax
9000
CY2018Q2 pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Before Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodBeforeTax
470000
pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Before Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodBeforeTax
15000
pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Before Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodBeforeTax
163000
us-gaap Other Comprehensive Income Loss Before Tax
OtherComprehensiveIncomeLossBeforeTax
3820000
us-gaap Other Comprehensive Income Loss Before Tax
OtherComprehensiveIncomeLossBeforeTax
-2124000
CY2019Q2 us-gaap Other Comprehensive Income Loss Tax
OtherComprehensiveIncomeLossTax
382000
CY2018Q2 us-gaap Other Comprehensive Income Loss Tax
OtherComprehensiveIncomeLossTax
-162000
us-gaap Other Comprehensive Income Loss Tax
OtherComprehensiveIncomeLossTax
802000
us-gaap Other Comprehensive Income Loss Tax
OtherComprehensiveIncomeLossTax
-555000
CY2019Q2 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
1438000
CY2018Q2 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-459000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
3018000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-1569000
CY2019Q2 us-gaap Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
2039000
CY2018Q2 us-gaap Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
442000
CY2019Q2 us-gaap Comprehensive Income Net Of Tax Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest
-6000
CY2018Q2 us-gaap Comprehensive Income Net Of Tax Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest
-44000
us-gaap Comprehensive Income Net Of Tax Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest
14000
us-gaap Comprehensive Income Net Of Tax Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest
-14000
CY2019Q2 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
2045000
CY2018Q2 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
486000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
4139000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
380000
CY2019Q2 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
-18000
CY2018Q2 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
-11000
us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
-37000
us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
-22000
CY2019Q2 us-gaap Other Comprehensive Income Loss Available For Sale Securities Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax
369000
CY2018Q2 us-gaap Other Comprehensive Income Loss Available For Sale Securities Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax
-302000
us-gaap Other Comprehensive Income Loss Available For Sale Securities Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax
785000
us-gaap Other Comprehensive Income Loss Available For Sale Securities Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax
-654000
CY2019Q2 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
7000
CY2018Q2 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
-6000
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
23000
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
-34000
CY2019Q2 pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodTax
2000
CY2018Q2 pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodTax
123000
pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodTax
3000
pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodTax
43000
CY2019Q1 us-gaap Stockholders Equity Including Portion Attributable To Noncontrolling Interest
StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
66438000
CY2019Q2 pbhc Common Stock Issued During Period Value Private Placement Net Of Expenses
CommonStockIssuedDuringPeriodValuePrivatePlacementNetOfExpenses
3826000
CY2019Q2 pbhc Preferred Stock Issued During Period Value Private Placement Net Of Expenses
PreferredStockIssuedDuringPeriodValuePrivatePlacementNetOfExpenses
15370000
CY2019Q2 us-gaap Adjustments To Additional Paid In Capital Warrant Issued
AdjustmentsToAdditionalPaidInCapitalWarrantIssued
373000
CY2019Q2 pbhc Esop Shares Earned
EsopSharesEarned
89000
CY2019Q2 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
73000
CY2019Q2 us-gaap Dividends Common Stock
DividendsCommonStock
274000
CY2019Q2 us-gaap Dividends Preferred Stock
DividendsPreferredStock
69000
CY2019Q2 pbhc Dividends Warrant
DividendsWarrant
8000
CY2019Q2 pbhc Distributions From Affiliates
DistributionsFromAffiliates
13000
CY2018Q1 us-gaap Stockholders Equity Including Portion Attributable To Noncontrolling Interest
StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
62438000
CY2018Q2 pbhc Esop Shares Earned
EsopSharesEarned
97000
CY2018Q2 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
81000
CY2018Q2 us-gaap Dividends Common Stock
DividendsCommonStock
249000
CY2018Q2 pbhc Distributions From Affiliates
DistributionsFromAffiliates
60000
CY2019Q2 us-gaap Employee Stock Ownership Plan Esop Shares Contributed To Esop
EmployeeStockOwnershipPlanESOPSharesContributedToESOP
6110
CY2018Q2 us-gaap Employee Stock Ownership Plan Esop Shares Contributed To Esop
EmployeeStockOwnershipPlanESOPSharesContributedToESOP
6110
us-gaap Employee Stock Ownership Plan Esop Shares Contributed To Esop
EmployeeStockOwnershipPlanESOPSharesContributedToESOP
12221
us-gaap Employee Stock Ownership Plan Esop Shares Contributed To Esop
EmployeeStockOwnershipPlanESOPSharesContributedToESOP
12221
CY2019Q2 us-gaap Stock Issued During Period Shares Restricted Stock Award Gross
StockIssuedDuringPeriodSharesRestrictedStockAwardGross
13436
CY2018Q2 us-gaap Stock Issued During Period Shares Restricted Stock Award Gross
StockIssuedDuringPeriodSharesRestrictedStockAwardGross
14490
us-gaap Stock Issued During Period Shares Restricted Stock Award Gross
StockIssuedDuringPeriodSharesRestrictedStockAwardGross
13436
us-gaap Stock Issued During Period Shares Restricted Stock Award Gross
StockIssuedDuringPeriodSharesRestrictedStockAwardGross
14490
CY2019Q2 us-gaap Preferred Stock Dividends Per Share Declared
PreferredStockDividendsPerShareDeclared
0.06
us-gaap Preferred Stock Dividends Per Share Declared
PreferredStockDividendsPerShareDeclared
0.06
CY2019Q2 pbhc Warrant Dividends Per Share Declared
WarrantDividendsPerShareDeclared
0.06
pbhc Warrant Dividends Per Share Declared
WarrantDividendsPerShareDeclared
0.06
pbhc Common Stock Issued During Period Value Private Placement Net Of Expenses
CommonStockIssuedDuringPeriodValuePrivatePlacementNetOfExpenses
3826000
pbhc Preferred Stock Issued During Period Value Private Placement Net Of Expenses
PreferredStockIssuedDuringPeriodValuePrivatePlacementNetOfExpenses
15370000
us-gaap Adjustments To Additional Paid In Capital Warrant Issued
AdjustmentsToAdditionalPaidInCapitalWarrantIssued
373000
pbhc Esop Shares Earned
EsopSharesEarned
176000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
146000
us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
200000
us-gaap Dividends Common Stock
DividendsCommonStock
530000
us-gaap Dividends Preferred Stock
DividendsPreferredStock
69000
pbhc Dividends Warrant
DividendsWarrant
8000
pbhc Distributions From Affiliates
DistributionsFromAffiliates
13000
CY2017Q4 us-gaap Stockholders Equity Including Portion Attributable To Noncontrolling Interest
StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
62144000
pbhc Esop Shares Earned
EsopSharesEarned
191000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
162000
us-gaap Dividends Common Stock
DividendsCommonStock
497000
pbhc Distributions From Affiliates
DistributionsFromAffiliates
60000
pbhc Amortization Of Operating Leases
AmortizationOfOperatingLeases
15000
pbhc Amortization Of Operating Leases
AmortizationOfOperatingLeases
0
us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
48000
us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
0
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
47000
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
0
pbhc Gains Losses On Real Estate Acquired Through Foreclosure
GainsLossesOnRealEstateAcquiredThroughForeclosure
0
pbhc Gains Losses On Real Estate Acquired Through Foreclosure
GainsLossesOnRealEstateAcquiredThroughForeclosure
16000
us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
5000
us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
0
pbhc Payments For Proceeds From Sale Of Available For Sale Securities Debt
PaymentsForProceedsFromSaleOfAvailableForSaleSecuritiesDebt
111000
pbhc Payments For Proceeds From Sale Of Available For Sale Securities Debt
PaymentsForProceedsFromSaleOfAvailableForSaleSecuritiesDebt
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us-gaap Heldtomaturity Securities Sold Security Realized Gain Loss Excluding Other Than Temporary Impairments
HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments
0
us-gaap Heldtomaturity Securities Sold Security Realized Gain Loss Excluding Other Than Temporary Impairments
HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments
2000
us-gaap Gain Loss On Disposition Of Assets
GainLossOnDispositionOfAssets
0
us-gaap Gain Loss On Disposition Of Assets
GainLossOnDispositionOfAssets
8000
us-gaap Marketable Securities Realized Gain Loss
MarketableSecuritiesRealizedGainLoss
57000
us-gaap Marketable Securities Realized Gain Loss
MarketableSecuritiesRealizedGainLoss
26000
us-gaap Depreciation
Depreciation
744000
us-gaap Depreciation
Depreciation
578000
us-gaap Amortization Of Mortgage Servicing Rights Ms Rs
AmortizationOfMortgageServicingRightsMSRs
2000
us-gaap Amortization Of Mortgage Servicing Rights Ms Rs
AmortizationOfMortgageServicingRightsMSRs
22000
us-gaap Amortization Of Financing Costs
AmortizationOfFinancingCosts
128000
us-gaap Amortization Of Financing Costs
AmortizationOfFinancingCosts
150000
us-gaap Amortization Of Financing Costs And Discounts
AmortizationOfFinancingCostsAndDiscounts
17000
us-gaap Amortization Of Financing Costs And Discounts
AmortizationOfFinancingCostsAndDiscounts
17000
pbhc Bank Owned Life Insurance Income Operating Activities
BankOwnedLifeInsuranceIncomeOperatingActivities
222000
pbhc Bank Owned Life Insurance Income Operating Activities
BankOwnedLifeInsuranceIncomeOperatingActivities
181000
us-gaap Amortization Of Debt Discount Premium
AmortizationOfDebtDiscountPremium
618000
us-gaap Amortization Of Debt Discount Premium
AmortizationOfDebtDiscountPremium
994000
us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
8000
us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
9000
us-gaap Stock Option Plan Expense
StockOptionPlanExpense
322000
us-gaap Stock Option Plan Expense
StockOptionPlanExpense
353000
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
271000
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
-322000
us-gaap Increase Decrease In Pension Plan Obligations
IncreaseDecreaseInPensionPlanObligations
0
us-gaap Increase Decrease In Pension Plan Obligations
IncreaseDecreaseInPensionPlanObligations
-825000
us-gaap Increase Decrease In Other Operating Capital Net
IncreaseDecreaseInOtherOperatingCapitalNet
-14000
us-gaap Increase Decrease In Other Operating Capital Net
IncreaseDecreaseInOtherOperatingCapitalNet
-674000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
3078000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
5051000
pbhc Payments To Acquire Available For Sale Debt And Equity Securities
PaymentsToAcquireAvailableForSaleDebtAndEquitySecurities
12280000
pbhc Payments To Acquire Available For Sale Debt And Equity Securities
PaymentsToAcquireAvailableForSaleDebtAndEquitySecurities
34427000
us-gaap Payments To Acquire Held To Maturity Securities
PaymentsToAcquireHeldToMaturitySecurities
46970000
us-gaap Payments To Acquire Held To Maturity Securities
PaymentsToAcquireHeldToMaturitySecurities
0
us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
2605000
us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
4660000
us-gaap Proceeds From Sale Of Federal Home Loan Bank Stock
ProceedsFromSaleOfFederalHomeLoanBankStock
4099000
us-gaap Proceeds From Sale Of Federal Home Loan Bank Stock
ProceedsFromSaleOfFederalHomeLoanBankStock
4127000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
12044000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
24941000
us-gaap Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
5035000
us-gaap Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
4688000
pbhc Proceeds From Sale Of Available For Sale Debt And Equity Securities
ProceedsFromSaleOfAvailableForSaleDebtAndEquitySecurities
63486000
pbhc Proceeds From Sale Of Available For Sale Debt And Equity Securities
ProceedsFromSaleOfAvailableForSaleDebtAndEquitySecurities
27125000
us-gaap Proceeds From Sale Of Held To Maturity Securities
ProceedsFromSaleOfHeldToMaturitySecurities
548000
us-gaap Proceeds From Sale Of Held To Maturity Securities
ProceedsFromSaleOfHeldToMaturitySecurities
967000
us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
1085000
us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
496000
us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
0
us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
14000
us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
0
us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
5000000
us-gaap Proceeds From Life Insurance Policies
ProceedsFromLifeInsurancePolicies
0
us-gaap Proceeds From Life Insurance Policies
ProceedsFromLifeInsurancePolicies
228000
us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
73419000
us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
27044000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
2368000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
1159000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-51345000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-9704000
us-gaap Increase Decrease In Demand Deposits
IncreaseDecreaseInDemandDeposits
-14292000
us-gaap Increase Decrease In Demand Deposits
IncreaseDecreaseInDemandDeposits
-2634000
us-gaap Increase Decrease In Time Deposits
IncreaseDecreaseInTimeDeposits
61781000
us-gaap Increase Decrease In Time Deposits
IncreaseDecreaseInTimeDeposits
1842000
pbhc Increase Decrease In Brokered Deposits
IncreaseDecreaseInBrokeredDeposits
34088000
pbhc Increase Decrease In Brokered Deposits
IncreaseDecreaseInBrokeredDeposits
10358000
us-gaap Proceeds From Repayments Of Short Term Debt
ProceedsFromRepaymentsOfShortTermDebt
-10000000
us-gaap Proceeds From Repayments Of Short Term Debt
ProceedsFromRepaymentsOfShortTermDebt
-4000000
us-gaap Repayments Of Long Term Debt
RepaymentsOfLongTermDebt
19100000
us-gaap Repayments Of Long Term Debt
RepaymentsOfLongTermDebt
0
us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
0
us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
14215000
us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
200000
us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
204000
us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
526000
us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
502000
pbhc Proceeds From Finance Lease Transaction
ProceedsFromFinanceLeaseTransaction
572000
pbhc Proceeds From Finance Lease Transaction
ProceedsFromFinanceLeaseTransaction
0
us-gaap Proceeds From Payments To Minority Shareholders
ProceedsFromPaymentsToMinorityShareholders
1000
us-gaap Proceeds From Payments To Minority Shareholders
ProceedsFromPaymentsToMinorityShareholders
-81000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
72293000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
19402000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
24026000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
14749000
CY2018Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
26316000
CY2017Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
21991000
CY2019Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
50342000
CY2018Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
36740000
us-gaap Interest Paid Net
InterestPaidNet
6382000
us-gaap Interest Paid Net
InterestPaidNet
3793000
us-gaap Income Taxes Paid
IncomeTaxesPaid
0
us-gaap Income Taxes Paid
IncomeTaxesPaid
645000
pbhc Transfer Of Loans To Foreclosed Real Estate
TransferOfLoansToForeclosedRealEstate
503000
pbhc Transfer Of Loans To Foreclosed Real Estate
TransferOfLoansToForeclosedRealEstate
109000
pbhc Federal Reserve Bank Reserve Requirements Included In Interest Earning Deposits
FederalReserveBankReserveRequirementsIncludedInInterestEarningDeposits
0
pbhc Federal Reserve Bank Reserve Requirements Included In Interest Earning Deposits
FederalReserveBankReserveRequirementsIncludedInInterestEarningDeposits
4365000
us-gaap Description Of New Accounting Pronouncements Not Yet Adopted
DescriptionOfNewAccountingPronouncementsNotYetAdopted
<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-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;">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 <font style="color:#000000;">the accounting</font><font style="color:#FF0000;"> </font>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 Not Yet Adopted as of June 30, 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;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-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;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;;font-size:11pt;">&nbsp;</p> <p style="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;">Required Date of Implementation:&nbsp;&nbsp;<font style="font-weight:normal;">January 1, 2020 (early adoption permitted as of January 1, 2019). On July 17, the FASB made a tentative decision to change the CECL effective date for all non-SEC filing companies and SEC filers considered small reporting companies (SRCs), such as the Company.&nbsp;&nbsp;Under this tentative decision, SRCs will have until January 1, 2023 to implement this Update. This decision is still subject to potential modification, following a designated comment period, and final promulgation. It is considered likely, however, that the mandatory implementation date for this Update will be extended to the newly-proposed date</font><font style="color:#55565A;font-size:10pt;font-family:Arial;font-weight:normal;">. <br /></font></p> <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;">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.&nbsp;&nbsp;</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;_____</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;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;Transition Relief for the Implementation of ASU-2016-13 (</font><font style="font-style:italic;font-weight:normal;">ASU 2019-5: Financial Instruments&#8212;Credit Losses [Topic 326]: Targeted Transition Relief</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;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description: <font style="font-weight:normal;">The amendments in this ASU provide entities that have certain instruments within the scope of Subtopic 326-20, Financial Instruments&#8212;Credit Losses&#8212; Measured at Amortized Cost, with an option to irrevocably elect the fair value option in Subtopic 825-10, Financial Instruments&#8212;Overall, applied on an instrument-by-instrument basis for eligible instruments, upon adoption of Topic 326.&nbsp;&nbsp;The fair value option election does not apply to held-to-maturity debt securities. An entity that elects the fair value option should subsequently apply the guidance in Subtopics 820-10, Fair Value Measurement&#8212;Overall, and 825-10.</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-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">General guidance for the use of the fair value option is contained in Subtopic 825-10. The irrevocable election of the fair value option must be applied on an instrument-by-instrument basis for eligible instruments, whose characteristics are within the scope of Subtopic 326-20.&nbsp;&nbsp;Upon adoption of Topic 326, for items measured at fair value in accordance with paragraph 326-10-65-1(i), the difference between the carrying amount and the fair value shall be recorded by means of a cumulative-effect adjustment to the opening retained earnings balance as of the beginning of the first reporting period that an entity has adopted ASU 2016-13. Those differences may include, but are not limited to: (1) unamortized deferred costs, fees, premiums, and discounts (2) valuation allowances (for example, allowance for loan losses), or (3) accrued interest.</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;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;">See comments above related to ASU 2016-13.</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;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 ASU 2016-13.</font></p> <p style="text-align:center;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;">_____<br /></p> <p style="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;">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="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;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;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%;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: <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%;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:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p> <p style="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;">Standard<font style="font-weight:normal;">: Fair Value Measurement (</font><font style="font-style:italic;font-weight:normal;">ASU 2018-13: Fair Value Measurement [Topic 820]: Disclosure Framework Changes to the Disclosure Requirements for Fair Value Measurement</font><font style="font-weight:normal;"><br /></font></p> <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;">Description:<font style="font-weight:normal;">&nbsp;&nbsp;The FASB is issuing the amendments in this ASU as part of the disclosure framework project. The disclosure framework project&#8217;s objective and primary focus are to improve the effectiveness of disclosures in the notes to financial statements by facilitating clear communication of the information required by GAAP that is most important to users of each entity&#8217;s financial statements. The amendments in this ASU modify the disclosure requirements for entities such as the Company on fair value measurements in Topic 820, Fair Value Measurement.</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-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The following disclosure requirements were removed from Topic 820: </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;font-size:11pt;font-family:Times New Roman;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-size:11pt;">1.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy </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;font-size:11pt;font-family:Times New Roman;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-size:11pt;">2.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The policy for timing of transfers between levels </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;font-size:11pt;font-family:Times New Roman;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-size:11pt;">3.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The valuation processes for Level 3 fair value measurements </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-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The following disclosure requirements were modified in Topic 820: </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;font-size:11pt;font-family:Times New Roman;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-size:11pt;">1.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For investments in certain entities that calculate net asset value, an entity is required to disclose the timing of liquidation of an investee&#8217;s assets and the date when restrictions from redemption might lapse only if the investee has communicated the timing to the entity or announced the timing publicly. </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;font-size:11pt;font-family:Times New Roman;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-size:11pt;">2.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments clarify that the measurement uncertainty disclosure is to communicate information about the uncertainty in measurement as of the reporting date. </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-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The following disclosure requirements were added to Topic 820: </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;font-size:11pt;font-family:Times New Roman;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-size:11pt;">1.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The changes in unrealized gains and losses for the period included in other comprehensive income for recurring Level 3 fair value measurements held at the end of the reporting period</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;font-size:11pt;font-family:Times New Roman;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-size:11pt;font-weight:bold;">2.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements. For certain unobservable inputs, an entity may disclose other quantitative information (such as the median or arithmetic average) in lieu of the weighted average if the entity determines that other quantitative information would be a more reasonable and rational method to reflect the distribution of unobservable inputs used to develop Level 3 fair value measurements.<font style="font-weight:bold;"> </font></p></td></tr></table></div> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p> <p style="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;"><br /></p> <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;">Required Date of Implementation:&nbsp;&nbsp;<font style="font-weight:normal;">The amendments in this ASU are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. The amendments on changes in unrealized gains and losses, the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements, and the narrative description of measurement uncertainty should be applied prospectively for only the most recent interim or annual period presented in the initial fiscal year of adoption. All other amendments should be applied retrospectively to all periods presented upon their effective date. Early adoption is permitted upon issuance of this Update. An entity is permitted to early adopt any removed or modified disclosures upon issuance of this ASU and delay adoption of the additional disclosures until their effective date.</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;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 does not expect the new guidance will have a material impact to its consolidated statements of condition or income.</font></p> <p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;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="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;">Standard<font style="font-weight:normal;">:&nbsp;&nbsp;Compensation (</font><font style="font-style:italic;font-weight:normal;">ASU 2018-14: Compensation - Retirement Benefits - Defined Benefit Plans - General [Subtopic 715 &#8211; 20]: Disclosure Framework - Changes to the Disclosure Requirements for Defined Benefit Plans)<br /></font></p> <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;">Description:<font style="font-weight:normal;">&nbsp;&nbsp;The FASB is issuing the amendments in this ASU as part of the disclosure framework project. The amendments in this ASU modify the disclosure requirements for employers that sponsor defined benefit pension or other postretirement plans.</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-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The following disclosure requirements are removed from Subtopic 715-20:</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;font-size:11pt;font-family:Times New Roman;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-size:11pt;">1.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amounts in accumulated other comprehensive income expected to be recognized as components of net periodic benefit cost over the next fiscal year.</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;font-size:11pt;font-family:Times New Roman;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-size:11pt;">2.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amount and timing of plan assets expected to be returned to the employer.</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;font-size:11pt;font-family:Times New Roman;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-size:11pt;">3.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Related party disclosures about the amount of future annual benefits covered by insurance and annuity contracts and significant transactions between the employer or related parties and the plan.</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;font-size:11pt;font-family:Times New Roman;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-size:11pt;">4.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The effects of a one-percentage-point change in assumed health care cost trend rates on the (a) aggregate of the service and interest cost components of net periodic benefit costs and (b) benefit obligation for postretirement health care benefits.</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-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The following disclosure requirements are added to Subtopic 715-20:</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;font-size:11pt;font-family:Times New Roman;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-size:11pt;">1.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The weighted-average interest crediting rates for cash balance plans and other plans with promised interest crediting rates. </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;font-size:11pt;font-family:Times New Roman;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-size:11pt;">2.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">An explanation of the reasons for significant gains and losses related to changes in the benefit obligation for the period.</p></td></tr></table></div> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><br />The amendments in this ASU also clarify the disclosure requirements in paragraph 715-20-50-3, which state that the following information for defined benefit pension plans should be disclosed:</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;font-size:11pt;font-family:Times New Roman;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-size:11pt;">1.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The projected benefit obligation (PBO) and fair value of plan assets for plans with PBOs in excess of plan assets.</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;font-size:11pt;font-family:Times New Roman;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-size:11pt;">2.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The accumulated benefit obligation (ABO) and fair value of plan assets for plans with ABOs in excess of plan assets. </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;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;">The amendments in this ASU are effective for fiscal years ending after December 15, 2020, for public business entities and for fiscal years ending after December 15, 2021, for all other entities. Early adoption is permitted for all entities. </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;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 does not expect the new guidance will have a material impact to its consolidated statements of condition or income.</font></p> <p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;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;font-family:Times New Roman;font-weight:bold;">&nbsp;</p> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><br /></p> <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;">Standard: <font style="font-weight:normal;"> Leases</font> <font style="font-weight:normal;">(</font><font style="font-weight:normal;font-style:italic;">ASU 2019-1: Leases [Topic 842] Codification Improvements)</font></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-style:italic;font-size:11pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">&nbsp;</p> <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;">Description:<font style="font-weight:normal;">&nbsp;&nbsp;On February 25, 2016, the FASB issued Accounting Standards ASU No. 2016- 02, Leases [Topic 842], to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing essential information about leasing transactions. ASU 2019-1 addresses three Issues: (1) Determining the fair value of the underlying asset by lessors that are not manufacturers or dealers; (2) Presentation on the statement of cash flows for sales-type and direct financing leases; and (3) Transition disclosures related to Topic 250,</font><font style="font-style:italic;font-weight:normal;"> Accounting Changes and Error Corrections</font><font style="font-weight:normal;">.&nbsp;&nbsp;</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-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this ASU address Issue 1, described above, and reinstate the exception in Topic 842 for lessors that are not manufacturers or dealers (generally financial institutions and captive finance companies).&nbsp;&nbsp;Specifically, those lessors will use their cost, reflecting any volume or trade discounts that may apply, as the fair value of the underlying asset. However, if significant time lapses between the acquisition of the underlying asset and lease commencement, those lessors will be required to apply the definition of fair value (exit price) in Topic 820. </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-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Topic 840 does not provide guidance on how cash received from leases by lessors from sales-type and direct financing leases should be presented in the cash flow statement.&nbsp;&nbsp;The amendments in this ASU address Issue 2, described above, as to the concerns of lessors within the scope of Topic 942 about where &#8220;principal payments received under leases&#8221; should be presented. Specifically, lessors that are depository and lending institutions within the scope of Topic 942 will present all &#8220;principal payments received under leases&#8221; within investing activities in the Statement of Cash Flows.</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;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;">:&nbsp;&nbsp;The amendments in this ASU amend Topic 842. The effective date of those amendments for public business entities, such as the Company, is for fiscal years beginning after December 15, 2019 and interim periods within those fiscal years. </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;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 does not expect that the new guidance will have a material impact to its consolidated statements of condition or income.</font></p> <p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">____<br /></p> <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;">Standard<font style="font-weight:normal;">: Various Codification Improvements </font><font style="font-style:italic;font-weight:normal;">(ASU 2019-4:</font><font style="font-weight:normal;"> </font><font style="font-style:italic;font-weight:normal;">Codification Improvements to Topic 326, Financial Instruments&#8212;Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments)</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;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;">Since 2016, the FASB has issued the following Updates related to financial instruments:</font></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;font-family:Times New Roman;font-size:11pt;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 Roman';font-size:11pt;">1.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Accounting Standards Update No. 2016-01, <font style="font-style:italic;">Financial Instruments&#8212; Overall [Subtopic 825-10]: Recognition and Measurement of Financial Assets and Financial Liabilities</font>;</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;font-family:Times New Roman;font-size:11pt;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 Roman';font-size:11pt;">2.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Accounting Standards Update No. 2016-13, <font style="font-style:italic;">Financial Instruments&#8212; Credit Losses [Topic 326]: Measurement of Credit Losses on Financial Instruments; </font>and<font style="font-style:italic;"> </font></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;font-family:Times New Roman;font-size:11pt;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 Roman';font-size:11pt;">3.</p></td> <td valign="top"> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Accounting Standards Update No. 2017-12, <font style="font-style:italic;">Derivatives and Hedging [Topic 815]: Targeted Improvements to Accounting for Hedging Activities.</font></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-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The FASB has an ongoing project on its agenda for improving the Codification or correcting its unintended application. The items addressed in that project generally are not expected to have a significant effect on current accounting practice or to create a significant administrative cost for most entities. The amendments in this ASU are similar to those items and are summarized below. </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;line-height:12pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For Codification Improvements specific to ASU 2016-01, the following topics were covered within ASU 2019-04:</p> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&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;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Scope Clarifications</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;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Held-to-Maturity Debt Securities Fair Value Disclosures</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;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Applicability of Topic 820 to the Measurement Alternative</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;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Remeasurement of Equity Securities at Historical Exchange Rates</p></td></tr></table></div> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;margin-right:0.93%;text-indent:0%;font-family:Times New Roman;">&nbsp;</p> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;margin-right:1.85%;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments to Topic 326 and other Topics in this Update include items related to the amendments in Update 2016-13 discussed at the June 2018 and November 2018 Credit Losses Transition Resource Group (&#8220;TRG&#8221;) meetings. The amendments clarify or address stakeholders&#8217; specific issues about certain aspects of the amendments in Update 2016-13 on a number of different topics, including the following:&nbsp;&nbsp;</p> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;margin-right:1.85%;text-indent:0%;font-family:Times New Roman;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:4.32%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Accrued Interest</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:4.32%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Transfers between Classifications or Categories for Loans and Debt Securities</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:4.32%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Recoveries</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:4.32%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Consideration of Prepayments in Determining the Effective Interest Rate</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:4.32%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Consideration of Estimated Costs to Sell When Foreclosure Is Probable</p></td> <td valign="top" style="width:0.93%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</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:4.32%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Vintage Disclosures&#8212; Line-of-Credit Arrangements Converted to Term Loans</p></td> <td valign="top" style="width:2.96%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</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:4.32%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Contractual Extensions and Renewals</p></td> <td valign="top" style="width:2.96%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</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;line-height:12pt;margin-bottom:0pt;margin-top:0pt;margin-right:1.85%;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The ASU also covered a number of issues that related to hedge accounting (ASU-2017-12) including:</p> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;margin-right:1.85%;text-indent:0%;font-family:Times New Roman;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;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Partial-Term Fair Value Hedges of Interest Rate Risk</p></td> <td valign="top" style="width:1.85%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</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;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Amortization of Fair Value Hedge Basis Adjustments</p></td> <td valign="top" style="width:1.85%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</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;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Disclosure of Fair Value Hedge Basis Adjustments</p></td> <td valign="top" style="width:1.85%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</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;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Consideration of the Hedged Contractually Specified Interest Rate under the Hypothetical Derivative Method</p></td> <td valign="top" style="width:1.85%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</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;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Scoping for Not-for-Profit Entities</p></td> <td valign="top" style="width:1.85%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</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;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Hedge Accounting Provisions Applicable to Certain Private Companies and Not-for- Profit Entities</p></td> <td valign="top" style="width:1.85%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</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;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Application of a First- Payments-Received Cash Flow Hedging Technique to Overall Cash Flows on a Group of Variable Interest Payments</p></td> <td valign="top" style="width:1.85%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</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;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;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 Roman';font-size:16.5pt;line-height:12.1pt;">&#x2022;</p></td> <td valign="top"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Transition Guidance</p></td> <td valign="top" style="width:1.85%;white-space:nowrap"> <p style="text-align:justify;line-height:12pt;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</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;line-height:12pt;margin-bottom:0pt;margin-top:0pt;margin-right:1.85%;text-indent:0%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Dates of Implementation<font style="font-weight:normal;">:&nbsp;&nbsp;This ASU 2019-04 has various implementation dates dependent on a number of factors as it pertains to the above items.&nbsp;&nbsp;The Company has adopted ASU 2016-01. </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;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 does not expect that the new guidance will have a material impact to its consolidated statements of condition or income.</font></p>
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us-gaap Weighted Average Number Of Shares Outstanding Basic
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4344000
us-gaap Weighted Average Number Of Shares Outstanding Basic
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4138000
CY2018Q2 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
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us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
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CY2019Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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CY2018Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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4256000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
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4344000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
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4246000
CY2019Q2 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
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701000
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896000
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0
CY2019Q2 pbhc Equity Securities Available For Sale Accumulated Gross Unrealized Loss Before Tax
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0
CY2019Q2 us-gaap Equity Securities Fv Ni
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205000
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117725000
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701000
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896000
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1728000
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181291000
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339000
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4172000
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177458000
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206000
CY2018Q4 pbhc Equity Securities Available For Sale Accumulated Gross Unrealized Gain Before Tax
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0
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0
CY2018Q4 us-gaap Equity Securities Fv Ni
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206000
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181497000
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339000
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4172000
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260000
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399000
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12044000
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21490000
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7431000
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8345000
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12302000
CY2019Q2 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
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21566000
CY2019Q2 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
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7477000
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49690000
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117325000
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3100000
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16337000
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13163000
CY2019Q2 us-gaap Held To Maturity Securities Debt Maturities After Ten Years Net Carrying Amount
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7855000
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40455000
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3105000
CY2019Q2 us-gaap Held To Maturity Securities Debt Maturities After One Through Five Years Fair Value
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16594000
CY2019Q2 us-gaap Held To Maturity Securities Debt Maturities After Five Through Ten Years Fair Value
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13461000
CY2019Q2 us-gaap Held To Maturity Securities Debt Maturities After Ten Years Fair Value
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7921000
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41081000
CY2019Q2 pbhc Held To Maturity Number Of Securities In Unrealized Loss Positions Less Than Twelve Months
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3
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45000
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5012000
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8
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48000
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6653000
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HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositions
11
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93000
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11665000
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13
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83000
CY2018Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
11111000
CY2018Q4 pbhc Held To Maturity Number Of Securities In Unrealized Loss Positions Twelve Months Or More
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15
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316000
CY2018Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
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11430000
CY2018Q4 pbhc Held To Maturity Number Of Securities In Unrealized Loss Positions
HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositions
28
CY2018Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
399000
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22541000
CY2019Q2 pbhc Realized Gains On Investments Sold
RealizedGainsOnInvestmentsSold
179000
CY2018Q2 pbhc Realized Gains On Investments Sold
RealizedGainsOnInvestmentsSold
133000
pbhc Realized Gains On Investments Sold
RealizedGainsOnInvestmentsSold
401000
pbhc Realized Gains On Investments Sold
RealizedGainsOnInvestmentsSold
160000
CY2019Q2 pbhc Realized Losses On Sale Of Investments
RealizedLossesOnSaleOfInvestments
147000
CY2018Q2 pbhc Realized Losses On Sale Of Investments
RealizedLossesOnSaleOfInvestments
155000
pbhc Realized Losses On Sale Of Investments
RealizedLossesOnSaleOfInvestments
290000
pbhc Realized Losses On Sale Of Investments
RealizedLossesOnSaleOfInvestments
289000
CY2019Q2 pbhc Securities Pledged To Collateralize Deposit
SecuritiesPledgedToCollateralizeDeposit
87900000
CY2018Q4 pbhc Securities Pledged To Collateralize Deposit
SecuritiesPledgedToCollateralizeDeposit
69800000
CY2019Q2 pbhc Securities Pledged To Collateralize Borrowing
SecuritiesPledgedToCollateralizeBorrowing
24900000
CY2018Q4 pbhc Securities Pledged To Collateralize Borrowing
SecuritiesPledgedToCollateralizeBorrowing
19500000
pbhc Minimum Years Of Service To Participate In Health And Life Insurance Benefits
MinimumYearsOfServiceToParticipateInHealthAndLifeInsuranceBenefits
P14Y
CY2019Q2 us-gaap Loans And Leases Receivable Gross Carrying Amount
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692866000
CY2018Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
620405000
CY2019Q2 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
43000
CY2018Q4 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
135000
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
CY2019Q1 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Outstanding Balance
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24600000
pbhc Participating Interest Of Acquired Loan Percentage
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0.90
pbhc Number Of Loans Secured By Liens On Automobiles
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2283
CY2019Q2 pbhc Number Of Loans Outstanding
NumberOfLoansOutstanding
1817
CY2018Q4 pbhc Number Of Loans Outstanding
NumberOfLoansOutstanding
909
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32800000
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13300000
pbhc Number Of Acquired Loan Charged Off As Uncollectible
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23
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165000
us-gaap Allowance For Loan And Lease Losses Writeoffs Net
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45000
pbhc Number Of Portfolio Segment
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3
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17004000
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675862000
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FinancingReceivableRecordedInvestmentPastDue
11233000
CY2018Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
609172000
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3755000
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2148000
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6054000
CY2018Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
631000
CY2018Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
5987000
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ImpairedFinancingReceivableAverageRecordedInvestment
6960000
CY2018Q2 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
8451000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
6634000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
8714000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
16000
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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
CY2019Q2 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
124000
CY2018Q2 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
58000
us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
185000
us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
144000
CY2019Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7284000
CY2019Q2 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
76000
CY2019Q2 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
7000
CY2019Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7825000
CY2019Q2 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
845000
CY2019Q2 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
6980000
CY2019Q2 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
684912000
CY2018Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7306000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
251000
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 Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
607327000
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
CY2019Q2 pbhc Financing Receivable Allowance For Credit Losses Specifically Reserved
FinancingReceivableAllowanceForCreditLossesSpecificallyReserved
845000
CY2019Q2 pbhc Financing Receivable Allowance For Credit Losses Historical Loss Rate
FinancingReceivableAllowanceForCreditLossesHistoricalLossRate
361000
CY2019Q2 pbhc Financing Receivable Allowance For Credit Losses Qualitative Factors
FinancingReceivableAllowanceForCreditLossesQualitativeFactors
6619000
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
CY2019Q2 us-gaap Mortgage Loans In Process Of Foreclosure Amount
MortgageLoansInProcessOfForeclosureAmount
525000
CY2018Q4 us-gaap Mortgage Loans In Process Of Foreclosure Amount
MortgageLoansInProcessOfForeclosureAmount
951000
CY2019Q2 us-gaap Other Comprehensive Income Loss Before Reclassifications Net Of Tax
OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
1397000
CY2019Q2 us-gaap Reclassification From Accumulated Other Comprehensive Income Current Period Net Of Tax
ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax
41000
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
us-gaap Other Comprehensive Income Loss Before Reclassifications Net Of Tax
OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
2975000
us-gaap Reclassification From Accumulated Other Comprehensive Income Current Period Net Of Tax
ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax
43000
us-gaap Other Comprehensive Income Loss Before Reclassifications Net Of Tax
OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
-1728000
us-gaap Reclassification From Accumulated Other Comprehensive Income Current Period Net Of Tax
ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax
159000
CY2019Q2 us-gaap Gain Loss On Sale Of Equity Investments
GainLossOnSaleOfEquityInvestments
16000
CY2018Q2 us-gaap Gain Loss On Sale Of Equity Investments
GainLossOnSaleOfEquityInvestments
13000
us-gaap Gain Loss On Sale Of Equity Investments
GainLossOnSaleOfEquityInvestments
57000
us-gaap Gain Loss On Sale Of Equity Investments
GainLossOnSaleOfEquityInvestments
26000
CY2019Q2 us-gaap Noninterest Income Other
NoninterestIncomeOther
35000
CY2018Q2 us-gaap Noninterest Income Other
NoninterestIncomeOther
15000
us-gaap Noninterest Income Other
NoninterestIncomeOther
62000
us-gaap Noninterest Income Other
NoninterestIncomeOther
90000
pbhc Operating And Finance Lease Option To Extend
OperatingAndFinanceLeaseOptionToExtend
Our leases have remaining lease terms that vary from less than one year up to 31 years, some of which include options to extend the leases for various renewal periods
pbhc Operating And Finance Lease Existence Of Option To Extend
OperatingAndFinanceLeaseExistenceOfOptionToExtend
true
CY2019Q2 us-gaap Operating Lease Cost
OperatingLeaseCost
60000
us-gaap Operating Lease Cost
OperatingLeaseCost
119000
CY2019Q2 pbhc Finance Lease Cost
FinanceLeaseCost
12000
pbhc Finance Lease Cost
FinanceLeaseCost
12000
CY2019Q2 us-gaap Operating Lease Payments
OperatingLeasePayments
56000
us-gaap Operating Lease Payments
OperatingLeasePayments
104000
CY2019Q2 us-gaap Finance Lease Interest Payment On Liability
FinanceLeaseInterestPaymentOnLiability
12000
us-gaap Finance Lease Interest Payment On Liability
FinanceLeaseInterestPaymentOnLiability
12000
CY2019Q2 us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
11000
us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
11000
CY2019Q2 us-gaap Finance Lease Liability
FinanceLeaseLiability
574000
CY2019Q2 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P19Y10M6D
CY2019Q2 us-gaap Finance Lease Weighted Average Remaining Lease Term1
FinanceLeaseWeightedAverageRemainingLeaseTerm1
P29Y9M29D
CY2019Q2 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0371
CY2019Q2 us-gaap Lessee Finance Lease Discount Rate
LesseeFinanceLeaseDiscountRate
0.1375
CY2019Q2 us-gaap Lessee Operating Lease Liability Payments Due Next Rolling Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextRollingTwelveMonths
116000
CY2019Q2 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Two
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearTwo
109000
CY2019Q2 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Three
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearThree
93000
CY2019Q2 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Four
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFour
104000
CY2019Q2 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Five
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFive
114000
CY2019Q2 us-gaap Lessee Operating Lease Liability Payments Due After Rolling Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterRollingYearFive
2749000
CY2019Q2 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
3285000

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