$PBHC
Pathfinder Bancorp, Inc.

2019 Q4 Form 10-Q Financial Statement

#000156459019042788 Filed on November 12, 2019

View on sec.gov

Income Statement

Concept 2019 Q4 2019 Q3 2018 Q4
Revenue $10.73M
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 $400.0K $390.0K $320.0K
YoY Change 25.0% 39.29% 10.34%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $3.528M
YoY Change 44.95%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $2.280M $1.609M $1.140M
YoY Change 100.0% 42.01% 48.05%
Income Tax $420.0K $324.0K $40.00K
% Of Pretax Income 18.42% 20.14% 3.51%
Net Earnings $1.860M $1.295M $1.100M
YoY Change 69.09% 31.47% 27.91%
Net Earnings / Revenue 12.07%
Basic Earnings Per Share $0.22
Diluted Earnings Per Share $405.2K $0.22 $256.4K
COMMON SHARES
Basic Shares Outstanding 4.708M 4.579M 4.358M
Diluted Shares Outstanding 4.579M

Balance Sheet

Concept 2019 Q4 2019 Q3 2018 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments $20.69M $40.29M $26.77M
YoY Change -22.69%
Cash & Equivalents $20.16M $39.77M $26.32M
Short-Term Investments $534.0K $514.0K $453.0K
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $22.70M $22.41M $20.62M
YoY Change 10.07% 28.8% 27.96%
Goodwill $4.536M $4.536M $4.536M
YoY Change 0.0% 0.0%
Intangibles $149.0K $153.0K $165.0K
YoY Change -9.7% -9.34%
Long-Term Investments $500.0K $500.0K $500.0K
YoY Change 0.0% 0.0%
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $1.094B $1.056B $933.1M
YoY Change 17.22% 14.6% 5.88%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $400.0K $500.0K $300.0K
YoY Change 33.33% 66.67% 50.0%
Accrued Expenses $2.700M $2.700M
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $25.14M $18.24M $39.00M
YoY Change -35.54% 27.45%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $3.100M $3.200M $300.0K
YoY Change 933.33% 966.67% 50.0%
LONG-TERM LIABILITIES
Long-Term Debt $67.99M $61.01M $79.53M
YoY Change -14.52% 304.07% 83.73%
Other Long-Term Liabilities $9.900M $9.800M $7.700M
YoY Change 28.57% 44.12% 20.31%
Total Long-Term Liabilities $67.99M $61.01M $79.53M
YoY Change -14.52% 178.6% 83.73%
TOTAL LIABILITIES
Total Short-Term Liabilities $3.100M $3.200M $300.0K
Total Long-Term Liabilities $67.99M $61.01M $79.53M
Total Liabilities $1.003B $966.9M $868.7M
YoY Change 15.48% 12.66% 6.05%
SHAREHOLDERS EQUITY
Retained Earnings $44.84M $43.33M $42.11M
YoY Change 6.47% 7.93%
Common Stock $47.00K $47.00K $44.00K
YoY Change 6.82% 2.33%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $90.43M $88.96M $64.22M
YoY Change
Total Liabilities & Shareholders Equity $1.094B $1.056B $933.1M
YoY Change 17.22% 14.6% 5.88%

Cashflow Statement

Concept 2019 Q4 2019 Q3 2018 Q4
OPERATING ACTIVITIES
Net Income $1.860M $1.295M $1.100M
YoY Change 69.09% 31.47% 27.91%
Depreciation, Depletion And Amortization $400.0K $390.0K $320.0K
YoY Change 25.0% 39.29% 10.34%
Cash From Operating Activities $1.560M $3.480M $3.000M
YoY Change -48.0% 274.19% 20.97%
INVESTING ACTIVITIES
Capital Expenditures -$680.0K -$550.0K -$3.510M
YoY Change -80.63% -46.08% 932.35%
Acquisitions
YoY Change
Other Investing Activities -$56.33M -$53.91M -$18.65M
YoY Change 202.04% 181.81% -60.5%
Cash From Investing Activities -$57.00M -$54.46M -$22.17M
YoY Change 157.1% 170.14% -53.37%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 35.83M 40.42M 9.510M
YoY Change 276.76% 118.96% 63.4%
NET CHANGE
Cash From Operating Activities 1.560M 3.480M 3.000M
Cash From Investing Activities -57.00M -54.46M -22.17M
Cash From Financing Activities 35.83M 40.42M 9.510M
Net Change In Cash -19.61M -10.56M -9.660M
YoY Change 103.0% 1271.43% -75.38%
FREE CASH FLOW
Cash From Operating Activities $1.560M $3.480M $3.000M
Capital Expenditures -$680.0K -$550.0K -$3.510M
Free Cash Flow $2.240M $4.030M $6.510M
YoY Change -65.59% 106.67% 130.85%

Facts In Submission

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us-gaap Advertising Expense
AdvertisingExpense
626000
CY2019Q3 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
130000
CY2018Q3 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
152000
us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
371000
us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
407000
CY2019Q3 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
104000
CY2018Q3 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
104000
us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
304000
us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
314000
CY2019Q3 us-gaap General Insurance Expense
GeneralInsuranceExpense
190000
CY2018Q3 us-gaap General Insurance Expense
GeneralInsuranceExpense
190000
us-gaap General Insurance Expense
GeneralInsuranceExpense
618000
CY2019Q3 pbhc Community Service Activities
CommunityServiceActivities
110000
CY2018Q3 pbhc Community Service Activities
CommunityServiceActivities
142000
pbhc Amortization Accretion Of Mortgage Servicing Rights
AmortizationAccretionOfMortgageServicingRights
3000
us-gaap Amortization Of Financing Costs
AmortizationOfFinancingCosts
194000
us-gaap General Insurance Expense
GeneralInsuranceExpense
679000
CY2018Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
157000
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
750000
CY2018Q3 us-gaap Net Income Loss
NetIncomeLoss
985000
pbhc Community Service Activities
CommunityServiceActivities
392000
pbhc Community Service Activities
CommunityServiceActivities
370000
CY2019Q3 us-gaap Foreclosed Real Estate Expense
ForeclosedRealEstateExpense
28000
CY2018Q3 us-gaap Foreclosed Real Estate Expense
ForeclosedRealEstateExpense
19000
us-gaap Foreclosed Real Estate Expense
ForeclosedRealEstateExpense
324000
us-gaap Foreclosed Real Estate Expense
ForeclosedRealEstateExpense
93000
CY2019Q3 us-gaap Other Noninterest Expense
OtherNoninterestExpense
569000
CY2018Q3 us-gaap Other Noninterest Expense
OtherNoninterestExpense
504000
us-gaap Other Noninterest Expense
OtherNoninterestExpense
1622000
us-gaap Other Noninterest Expense
OtherNoninterestExpense
1440000
CY2019Q3 us-gaap Noninterest Expense
NoninterestExpense
6282000
CY2018Q3 us-gaap Noninterest Expense
NoninterestExpense
5912000
us-gaap Noninterest Expense
NoninterestExpense
19532000
us-gaap Noninterest Expense
NoninterestExpense
17498000
CY2019Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
1609000
CY2018Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
1133000
us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
3170000
us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
3416000
CY2019Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
324000
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
505000
CY2019Q3 us-gaap Profit Loss
ProfitLoss
1285000
CY2018Q3 us-gaap Profit Loss
ProfitLoss
976000
us-gaap Profit Loss
ProfitLoss
2420000
us-gaap Profit Loss
ProfitLoss
2911000
CY2019Q3 us-gaap Net Income Loss Attributable To Noncontrolling Interest
NetIncomeLossAttributableToNoncontrollingInterest
-10000
CY2018Q3 us-gaap Net Income Loss Attributable To Noncontrolling Interest
NetIncomeLossAttributableToNoncontrollingInterest
-9000
us-gaap Net Income Loss Attributable To Noncontrolling Interest
NetIncomeLossAttributableToNoncontrollingInterest
4000
us-gaap Net Income Loss Attributable To Noncontrolling Interest
NetIncomeLossAttributableToNoncontrollingInterest
-23000
CY2019Q3 us-gaap Net Income Loss
NetIncomeLoss
1295000
us-gaap Net Income Loss
NetIncomeLoss
2416000
us-gaap Net Income Loss
NetIncomeLoss
2934000
CY2019Q3 us-gaap Preferred Stock Dividends Income Statement Impact
PreferredStockDividendsIncomeStatementImpact
70000
us-gaap Preferred Stock Dividends Income Statement Impact
PreferredStockDividendsIncomeStatementImpact
139000
CY2019Q3 pbhc Warrant Dividends Income Statement Impact
WarrantDividendsIncomeStatementImpact
7000
pbhc Warrant Dividends Income Statement Impact
WarrantDividendsIncomeStatementImpact
15000
CY2019Q3 us-gaap Undistributed Earnings Loss Allocated To Participating Securities Basic
UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic
206000
us-gaap Undistributed Earnings Loss Allocated To Participating Securities Basic
UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic
195000
CY2019Q3 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
1012000
CY2018Q3 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
985000
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
2067000
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
2934000
CY2019Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.22
CY2018Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.23
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.47
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.71
CY2019Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.22
CY2018Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.23
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.47
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.69
CY2019Q3 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.06
CY2018Q3 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.06
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.18
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.18
CY2018Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
6054000
CY2019Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci Pension And Other Postretirement Benefit Plans For Net Gain Loss Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
-84000
CY2018Q3 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
-252000
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci Pension And Other Postretirement Benefit Plans For Net Gain Loss Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
-129000
CY2019Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
357000
CY2018Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-618000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
4105000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-3120000
CY2019Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
121000
CY2018Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
-60000
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
232000
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
-189000
CY2019Q3 us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax
236000
CY2018Q3 us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax
-558000
us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax
3873000
us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax
-2931000
CY2019Q3 pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Before Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodBeforeTax
6000
CY2018Q3 pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Before Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodBeforeTax
5000
pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Before Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodBeforeTax
22000
pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Before Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodBeforeTax
168000
CY2019Q3 us-gaap Other Comprehensive Income Loss Before Tax
OtherComprehensiveIncomeLossBeforeTax
326000
CY2018Q3 us-gaap Other Comprehensive Income Loss Before Tax
OtherComprehensiveIncomeLossBeforeTax
-510000
us-gaap Other Comprehensive Income Loss Before Tax
OtherComprehensiveIncomeLossBeforeTax
4147000
us-gaap Other Comprehensive Income Loss Before Tax
OtherComprehensiveIncomeLossBeforeTax
-2634000
CY2019Q3 us-gaap Other Comprehensive Income Loss Tax
OtherComprehensiveIncomeLossTax
68000
CY2018Q3 us-gaap Other Comprehensive Income Loss Tax
OtherComprehensiveIncomeLossTax
-133000
us-gaap Other Comprehensive Income Loss Tax
OtherComprehensiveIncomeLossTax
871000
us-gaap Other Comprehensive Income Loss Tax
OtherComprehensiveIncomeLossTax
-688000
CY2019Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
258000
CY2018Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-377000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
3276000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-1946000
CY2019Q3 us-gaap Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
1543000
CY2018Q3 us-gaap Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
599000
us-gaap Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
5696000
us-gaap Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
965000
CY2019Q3 us-gaap Comprehensive Income Net Of Tax Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest
-10000
CY2018Q3 us-gaap Comprehensive Income Net Of Tax Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest
-9000
us-gaap Comprehensive Income Net Of Tax Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest
4000
us-gaap Comprehensive Income Net Of Tax Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest
-23000
CY2019Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
1553000
CY2018Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
608000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
5692000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
988000
CY2019Q3 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
-17000
CY2018Q3 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
-12000
us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
-54000
us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
-34000
CY2019Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
75000
CY2018Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
-162000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
861000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
-815000
CY2019Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
25000
CY2018Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
-16000
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
49000
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
-49000
CY2019Q3 pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodTax
1000
CY2018Q3 pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodTax
1000
pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodTax
5000
pbhc Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Tax
OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodTax
44000
CY2019Q2 us-gaap Stockholders Equity Including Portion Attributable To Noncontrolling Interest
StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
87844000
us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
363000
pbhc Warrant Dividends Per Share Declared
WarrantDividendsPerShareDeclared
0.12
pbhc Common Stock Issued During Period Value Private Placement Net Of Expenses
CommonStockIssuedDuringPeriodValuePrivatePlacementNetOfExpenses
3826000
CY2019Q3 pbhc Esop Shares Earned
EsopSharesEarned
82000
CY2019Q3 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
74000
CY2019Q3 us-gaap Dividends Common Stock
DividendsCommonStock
275000
CY2019Q3 us-gaap Dividends Preferred Stock
DividendsPreferredStock
70000
CY2019Q3 pbhc Dividends Warrant
DividendsWarrant
7000
CY2018Q2 us-gaap Stockholders Equity Including Portion Attributable To Noncontrolling Interest
StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
62869000
CY2018Q3 pbhc Esop Shares Earned
EsopSharesEarned
94000
CY2018Q3 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
97000
CY2018Q3 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
159000
CY2018Q3 us-gaap Dividends Common Stock
DividendsCommonStock
255000
CY2018Q3 us-gaap Stockholders Equity Including Portion Attributable To Noncontrolling Interest
StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
63563000
CY2019Q3 us-gaap Employee Stock Ownership Plan Esop Shares Contributed To Esop
EmployeeStockOwnershipPlanESOPSharesContributedToESOP
6110
CY2018Q3 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
18332
us-gaap Employee Stock Ownership Plan Esop Shares Contributed To Esop
EmployeeStockOwnershipPlanESOPSharesContributedToESOP
18332
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
CY2019Q3 us-gaap Preferred Stock Dividends Per Share Declared
PreferredStockDividendsPerShareDeclared
0.06
us-gaap Preferred Stock Dividends Per Share Declared
PreferredStockDividendsPerShareDeclared
0.12
CY2019Q3 pbhc Warrant Dividends Per Share Declared
WarrantDividendsPerShareDeclared
0.06
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
258000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
220000
us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
200000
us-gaap Dividends Common Stock
DividendsCommonStock
805000
us-gaap Dividends Preferred Stock
DividendsPreferredStock
139000
pbhc Dividends Warrant
DividendsWarrant
15000
pbhc Distributions From Affiliates
DistributionsFromAffiliates
13000
CY2017Q4 us-gaap Stockholders Equity Including Portion Attributable To Noncontrolling Interest
StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
62144000
pbhc Esop Shares Earned
EsopSharesEarned
285000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
259000
us-gaap Dividends Common Stock
DividendsCommonStock
752000
pbhc Distributions From Affiliates
DistributionsFromAffiliates
60000
pbhc Amortization Of Operating Leases
AmortizationOfOperatingLeases
21000
pbhc Amortization Of Operating Leases
AmortizationOfOperatingLeases
0
us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
912000
us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
216000
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
903000
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
212000
pbhc Gains Losses On Real Estate Acquired Through Foreclosure
GainsLossesOnRealEstateAcquiredThroughForeclosure
24000
pbhc Gains Losses On Real Estate Acquired Through Foreclosure
GainsLossesOnRealEstateAcquiredThroughForeclosure
22000
us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
19000
us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
2000
pbhc Payments For Proceeds From Sale Of Available For Sale Securities Debt
PaymentsForProceedsFromSaleOfAvailableForSaleSecuritiesDebt
246000
pbhc Payments For Proceeds From Sale Of Available For Sale Securities Debt
PaymentsForProceedsFromSaleOfAvailableForSaleSecuritiesDebt
-177000
us-gaap Heldtomaturity Securities Sold Security Realized Gain Loss Excluding Other Than Temporary Impairments
HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments
-14000
us-gaap Heldtomaturity Securities Sold Security Realized Gain Loss Excluding Other Than Temporary Impairments
HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments
-12000
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
61000
us-gaap Marketable Securities Realized Gain Loss
MarketableSecuritiesRealizedGainLoss
26000
us-gaap Depreciation
Depreciation
1133000
us-gaap Depreciation
Depreciation
869000
pbhc Amortization Accretion Of Mortgage Servicing Rights
AmortizationAccretionOfMortgageServicingRights
-2000
pbhc Amortization Of Financing Cost From Subordinated Debt
AmortizationOfFinancingCostFromSubordinatedDebt
25000
pbhc Amortization Of Financing Cost From Subordinated Debt
AmortizationOfFinancingCostFromSubordinatedDebt
26000
us-gaap Amortization Of Financing Costs
AmortizationOfFinancingCosts
240000
pbhc Bank Owned Life Insurance Income Operating Activities
BankOwnedLifeInsuranceIncomeOperatingActivities
355000
pbhc Bank Owned Life Insurance Income Operating Activities
BankOwnedLifeInsuranceIncomeOperatingActivities
319000
us-gaap Amortization Of Debt Discount Premium
AmortizationOfDebtDiscountPremium
861000
us-gaap Amortization Of Debt Discount Premium
AmortizationOfDebtDiscountPremium
1339000
us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
12000
us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
13000
us-gaap Stock Option Plan Expense
StockOptionPlanExpense
478000
us-gaap Stock Option Plan Expense
StockOptionPlanExpense
544000
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
245000
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
-132000
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
-990000
us-gaap Increase Decrease In Other Operating Capital Net
IncreaseDecreaseInOtherOperatingCapitalNet
309000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
6555000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
5983000
pbhc Payments To Acquire Available For Sale Debt And Equity Securities
PaymentsToAcquireAvailableForSaleDebtAndEquitySecurities
50479000
pbhc Payments To Acquire Available For Sale Debt And Equity Securities
PaymentsToAcquireAvailableForSaleDebtAndEquitySecurities
55284000
us-gaap Payments To Acquire Held To Maturity Securities
PaymentsToAcquireHeldToMaturitySecurities
72346000
us-gaap Payments To Acquire Held To Maturity Securities
PaymentsToAcquireHeldToMaturitySecurities
0
us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
6125000
us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
6439000
us-gaap Proceeds From Sale Of Federal Home Loan Bank Stock
ProceedsFromSaleOfFederalHomeLoanBankStock
7852000
us-gaap Proceeds From Sale Of Federal Home Loan Bank Stock
ProceedsFromSaleOfFederalHomeLoanBankStock
6107000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
24935000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
33650000
us-gaap Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
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us-gaap Description Of New Accounting Pronouncements Not Yet Adopted
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<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 </font><font style="text-decoration:underline;color:#000000;">September</font><font style="text-decoration:underline;"> 30, 2019</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;">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="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;">January 1, 2023 (early adoption permitted as of January 1, 2019).&nbsp;&nbsp;</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 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 2019-01: 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 2019-01 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 2019-04:</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>
CY2019Q3 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
688000
CY2019Q3 pbhc Consolidation Of Membership Interest In Subsidiary
ConsolidationOfMembershipInterestInSubsidiary
1.00
CY2019Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4579000
CY2018Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4195000
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4423000
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4157000
CY2018Q3 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
84000
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
100000
CY2019Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4579000
CY2018Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4279000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4423000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4257000
CY2019Q3 us-gaap Available For Sale Debt Securities Amortized Cost Basis
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119756000
CY2019Q3 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
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648000
CY2019Q3 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
119796000
CY2019Q3 us-gaap Equity Securities Fv Ni Cost
EquitySecuritiesFvNiCost
206000
CY2019Q3 pbhc Equity Securities Available For Sale Accumulated Gross Unrealized Gain Before Tax
EquitySecuritiesAvailableForSaleAccumulatedGrossUnrealizedGainBeforeTax
0
CY2019Q3 pbhc Equity Securities Available For Sale Accumulated Gross Unrealized Loss Before Tax
EquitySecuritiesAvailableForSaleAccumulatedGrossUnrealizedLossBeforeTax
0
CY2019Q3 us-gaap Equity Securities Fv Ni
EquitySecuritiesFvNi
206000
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AvailableForSaleDebtAndEquitySecuritiesAmortizedCost
119962000
CY2019Q3 pbhc Available For Sale Debt And Equity Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtAndEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
688000
CY2019Q3 pbhc Available For Sale Debt And Equity Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtAndEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
648000
CY2019Q3 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Gain
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
1986000
CY2019Q3 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Loss
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
148000
CY2018Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
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181291000
CY2018Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
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339000
CY2018Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
4172000
CY2018Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
177458000
CY2018Q4 us-gaap Equity Securities Fv Ni Cost
EquitySecuritiesFvNiCost
206000
CY2018Q4 pbhc Equity Securities Available For Sale Accumulated Gross Unrealized Gain Before Tax
EquitySecuritiesAvailableForSaleAccumulatedGrossUnrealizedGainBeforeTax
0
CY2018Q4 pbhc Equity Securities Available For Sale Accumulated Gross Unrealized Loss Before Tax
EquitySecuritiesAvailableForSaleAccumulatedGrossUnrealizedLossBeforeTax
0
CY2018Q4 us-gaap Equity Securities Fv Ni
EquitySecuritiesFvNi
206000
CY2018Q4 pbhc Available For Sale Debt And Equity Securities Amortized Cost
AvailableForSaleDebtAndEquitySecuritiesAmortizedCost
181497000
CY2018Q4 pbhc Available For Sale Debt And Equity Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtAndEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
339000
CY2018Q4 pbhc Available For Sale Debt And Equity Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtAndEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
4172000
CY2018Q4 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Gain
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260000
CY2018Q4 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Loss
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
399000
CY2019Q3 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
3318000
CY2019Q3 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
12814000
CY2019Q3 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
17380000
CY2019Q3 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
5053000
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AggregateOfAvailableForSaleSecuritiesDebtMaturitiesAmortizedCostBasis
38565000
CY2019Q3 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
3319000
CY2019Q3 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
13080000
CY2019Q3 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
17392000
CY2019Q3 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
5045000
CY2019Q3 pbhc Aggregate Of Available For Sale Securities Debt Maturities Fair Value
AggregateOfAvailableForSaleSecuritiesDebtMaturitiesFairValue
38836000
CY2019Q3 pbhc Available For Sale Securities Debt Maturities Fair Value Net
AvailableForSaleSecuritiesDebtMaturitiesFairValueNet
119796000
CY2019Q3 us-gaap Held To Maturity Securities Debt Maturities Within One Year Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount
2099000
CY2019Q3 us-gaap Held To Maturity Securities Debt Maturities After One Through Five Years Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount
18518000
CY2019Q3 us-gaap Held To Maturity Securities Debt Maturities After Five Through Ten Years Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount
16093000
CY2019Q3 us-gaap Held To Maturity Securities Debt Maturities After Ten Years Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount
15291000
CY2019Q3 pbhc Aggregate Of Held To Maturity Securities Debt Maturities Carrying Amount
AggregateOfHeldToMaturitySecuritiesDebtMaturitiesCarryingAmount
52001000
CY2019Q3 us-gaap Held To Maturity Securities Debt Maturities Within One Year Fair Value
HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue
2102000
CY2019Q3 us-gaap Held To Maturity Securities Debt Maturities After One Through Five Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
18762000
CY2019Q3 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
148000
CY2018Q4 pbhc Held To Maturity Number Of Securities In Unrealized Loss Positions
HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositions
28
CY2019Q3 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue
17310000
CY2018Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue
22541000
CY2018Q4 pbhc Held To Maturity Number Of Securities In Unrealized Loss Positions Less Than Twelve Months
HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositionsLessThanTwelveMonths
13
CY2019Q3 pbhc Realized Gains On Investments Sold
RealizedGainsOnInvestmentsSold
143000
CY2018Q3 pbhc Realized Gains On Investments Sold
RealizedGainsOnInvestmentsSold
76000
CY2019Q3 us-gaap Held To Maturity Securities Debt Maturities After Five Through Ten Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
16610000
CY2019Q3 us-gaap Held To Maturity Securities Debt Maturities After Ten Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue
15356000
CY2019Q3 pbhc Aggregate Of Held To Maturity Securities Debt Maturities Fair Value
AggregateOfHeldToMaturitySecuritiesDebtMaturitiesFairValue
52830000
CY2019Q3 pbhc Held To Maturity Number Of Securities In Unrealized Loss Positions Less Than Twelve Months
HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositionsLessThanTwelveMonths
9
CY2019Q3 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
142000
CY2019Q3 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
15744000
CY2019Q3 pbhc Held To Maturity Number Of Securities In Unrealized Loss Positions Twelve Months Or More
HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositionsTwelveMonthsOrMore
3
CY2019Q3 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
6000
CY2019Q3 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
1566000
CY2019Q3 pbhc Held To Maturity Number Of Securities In Unrealized Loss Positions
HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositions
12
CY2018Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
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
HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositionsTwelveMonthsOrMore
15
CY2018Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
316000
CY2018Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
11430000
pbhc Realized Gains On Investments Sold
RealizedGainsOnInvestmentsSold
544000
pbhc Realized Gains On Investments Sold
RealizedGainsOnInvestmentsSold
236000
CY2019Q3 pbhc Realized Losses On Sale Of Investments
RealizedLossesOnSaleOfInvestments
22000
CY2018Q3 pbhc Realized Losses On Sale Of Investments
RealizedLossesOnSaleOfInvestments
136000
pbhc Realized Losses On Sale Of Investments
RealizedLossesOnSaleOfInvestments
312000
pbhc Realized Losses On Sale Of Investments
RealizedLossesOnSaleOfInvestments
425000
CY2019Q3 pbhc Securities Pledged To Collateralize Deposit
SecuritiesPledgedToCollateralizeDeposit
104100000
CY2018Q4 pbhc Securities Pledged To Collateralize Deposit
SecuritiesPledgedToCollateralizeDeposit
69800000
CY2019Q3 pbhc Securities Pledged To Collateralize Borrowing
SecuritiesPledgedToCollateralizeBorrowing
22200000
CY2018Q4 pbhc Securities Pledged To Collateralize Borrowing
SecuritiesPledgedToCollateralizeBorrowing
19500000
pbhc Minimum Years Of Service To Participate In Health And Life Insurance Benefits
MinimumYearsOfServiceToParticipateInHealthAndLifeInsuranceBenefits
P14Y
CY2019Q3 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
725840000
CY2018Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
620405000
CY2019Q3 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
-60000
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
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesOutstandingBalance
24600000
pbhc Participating Interest Of Acquired Loan Percentage
ParticipatingInterestOfAcquiredLoanPercentage
0.90
pbhc Number Of Loans Secured By Liens On Automobiles
NumberOfLoansSecuredByLiensOnAutomobiles
2283
CY2019Q3 pbhc Number Of Loans Outstanding
NumberOfLoansOutstanding
1731
CY2018Q4 pbhc Number Of Loans Outstanding
NumberOfLoansOutstanding
909
CY2019Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet
30000000
CY2018Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet
13300000
pbhc Number Of Acquired Loan Charged Off As Uncollectible
NumberOfAcquiredLoanChargedOffAsUncollectible
25
pbhc Acquired Loans Cumulative Net Charge Offs
AcquiredLoansCumulativeNetChargeOffs
187000
us-gaap Allowance For Loan And Lease Losses Writeoffs Net
AllowanceForLoanAndLeaseLossesWriteoffsNet
67000
pbhc Number Of Portfolio Segment
NumberOfPortfolioSegment
3
CY2019Q3 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
9891000
CY2019Q3 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
715949000
CY2018Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
11233000
CY2018Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
609172000
CY2019Q3 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
8022000
us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
234000
CY2018Q3 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
7677000
CY2019Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7825000
CY2019Q3 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
123000
CY2019Q3 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
28000
CY2019Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
779000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
6999000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
8416000
us-gaap Other Comprehensive Income Loss Before Reclassifications Net Of Tax
OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
3261000
CY2019Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
5325000
CY2018Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
2148000
CY2019Q3 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
1
CY2018Q3 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
1
us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2019Q3 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
8087000
CY2019Q3 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
8164000
CY2019Q3 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
779000
CY2018Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
5987000
CY2018Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
631000
CY2019Q3 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
110000
CY2018Q3 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
90000
us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
295000
CY2019Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
7551000
CY2019Q3 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
8087000
CY2019Q3 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
717753000
CY2018Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7306000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
374000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
44000
CY2018Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7804000
CY2018Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
1164000
CY2018Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
6640000
CY2018Q3 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
621059000
CY2018Q3 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
7522000
CY2018Q3 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
613537000
CY2017Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7126000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
645000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
122000
CY2019Q3 pbhc Financing Receivable Allowance For Credit Losses Specifically Reserved
FinancingReceivableAllowanceForCreditLossesSpecificallyReserved
779000
CY2019Q3 pbhc Financing Receivable Allowance For Credit Losses Historical Loss Rate
FinancingReceivableAllowanceForCreditLossesHistoricalLossRate
354000
CY2019Q3 pbhc Financing Receivable Allowance For Credit Losses Qualitative Factors
FinancingReceivableAllowanceForCreditLossesQualitativeFactors
7101000
CY2019Q3 pbhc Financing Receivable Allowance For Credit Losses Other
FinancingReceivableAllowanceForCreditLossesOther
96000
CY2018Q3 pbhc Financing Receivable Allowance For Credit Losses Specifically Reserved
FinancingReceivableAllowanceForCreditLossesSpecificallyReserved
1164000
CY2018Q3 pbhc Financing Receivable Allowance For Credit Losses Historical Loss Rate
FinancingReceivableAllowanceForCreditLossesHistoricalLossRate
482000
CY2018Q3 pbhc Financing Receivable Allowance For Credit Losses Qualitative Factors
FinancingReceivableAllowanceForCreditLossesQualitativeFactors
5880000
CY2018Q3 pbhc Financing Receivable Allowance For Credit Losses Other
FinancingReceivableAllowanceForCreditLossesOther
278000
CY2018Q4 us-gaap Mortgage Loans In Process Of Foreclosure Amount
MortgageLoansInProcessOfForeclosureAmount
951000
CY2019Q3 us-gaap Other Comprehensive Income Loss Before Reclassifications Net Of Tax
OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
287000
CY2019Q3 us-gaap Reclassification From Accumulated Other Comprehensive Income Current Period Net Of Tax
ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax
-29000
CY2018Q3 us-gaap Other Comprehensive Income Loss Before Reclassifications Net Of Tax
OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
-452000
CY2018Q3 us-gaap Reclassification From Accumulated Other Comprehensive Income Current Period Net Of Tax
ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax
75000
CY2019Q3 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0371
CY2019Q3 us-gaap Lessee Finance Lease Discount Rate
LesseeFinanceLeaseDiscountRate
0.1375
us-gaap Reclassification From Accumulated Other Comprehensive Income Current Period Net Of Tax
ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax
15000
us-gaap Other Comprehensive Income Loss Before Reclassifications Net Of Tax
OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
-2181000
us-gaap Reclassification From Accumulated Other Comprehensive Income Current Period Net Of Tax
ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax
235000
CY2019Q3 us-gaap Noninterest Income Other
NoninterestIncomeOther
21000
CY2018Q3 us-gaap Noninterest Income Other
NoninterestIncomeOther
29000
us-gaap Noninterest Income Other
NoninterestIncomeOther
83000
us-gaap Noninterest Income Other
NoninterestIncomeOther
119000
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
CY2019Q3 us-gaap Operating Lease Cost
OperatingLeaseCost
61000
us-gaap Operating Lease Cost
OperatingLeaseCost
180000
CY2019Q3 pbhc Finance Lease Cost
FinanceLeaseCost
20000
pbhc Finance Lease Cost
FinanceLeaseCost
32000
CY2019Q3 us-gaap Operating Lease Payments
OperatingLeasePayments
55000
us-gaap Operating Lease Payments
OperatingLeasePayments
159000
CY2019Q3 us-gaap Finance Lease Interest Payment On Liability
FinanceLeaseInterestPaymentOnLiability
20000
us-gaap Finance Lease Interest Payment On Liability
FinanceLeaseInterestPaymentOnLiability
32000
CY2019Q3 us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
17000
us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
28000
CY2019Q3 us-gaap Finance Lease Liability
FinanceLeaseLiability
576000
CY2019Q3 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P19Y8M15D
CY2019Q3 us-gaap Finance Lease Weighted Average Remaining Lease Term1
FinanceLeaseWeightedAverageRemainingLeaseTerm1
P29Y8M1D
CY2019Q3 us-gaap Lessee Operating Lease Liability Payments Due Next Rolling Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextRollingTwelveMonths
117000
CY2019Q3 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Two
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearTwo
104000
CY2019Q3 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Three
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearThree
97000
CY2019Q3 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Four
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFour
107000
CY2019Q3 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Five
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFive
116000
CY2019Q3 us-gaap Lessee Operating Lease Liability Payments Due After Rolling Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterRollingYearFive
2716000
CY2019Q3 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
3257000
pbhc Evaluation In Process Sales Loans Confirmation Period
EvaluationInProcessSalesLoansConfirmationPeriod
P30Y

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