$pbhc 2020 Q4 10-K

Concept	2020 Q4	2020	2019 Q4
Revenue		$42.51M
YoY Change		1.79%
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	$460.0K	$1.700M	$400.0K
YoY Change	15.0%	11.84%	25.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense		$10.86M
YoY Change		-19.69%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income	$1.970M	$8.341M	$2.280M
YoY Change	-13.6%	53.02%	100.0%
Income Tax	$30.00K	$1.295M	$420.0K
% Of Pretax Income	1.52%	15.53%	18.42%
Net Earnings	$1.950M	$6.950M	$1.860M
YoY Change	4.84%	62.54%	69.09%
Net Earnings / Revenue		16.35%
Basic Earnings Per Share		$1.17
Diluted Earnings Per Share	$429.5K	$1.17	$405.2K
COMMON SHARES
Basic Shares Outstanding	4.529M	4.608M	4.708M
Diluted Shares Outstanding		4.608M

Concept	2020 Q4	2020	2019 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments	$45.31M		$20.69M
YoY Change	118.97%		-22.69%
Cash & Equivalents	$43.46M		$20.16M
Short-Term Investments	$1.850M		$534.0K
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment	$22.26M	$24.50M	$22.70M
YoY Change	-1.92%	-2.39%	10.07%
Goodwill	$4.536M		$4.536M
YoY Change	0.0%		0.0%
Intangibles	$133.0K		$149.0K
YoY Change	-10.74%		-9.7%
Long-Term Investments	$1.900M	$1.900M	$500.0K
YoY Change	280.0%	280.0%	0.0%
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets	$1.227B	$1.227B	$1.094B
YoY Change	12.22%	12.21%	17.22%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable	$200.0K	$200.0K	$400.0K
YoY Change	-50.0%	-50.0%	33.33%
Accrued Expenses	$2.500M	$2.500M	$2.700M
YoY Change	-7.41%	-7.41%
Deferred Revenue
YoY Change
Short-Term Debt	$4.020M		$25.14M
YoY Change	-84.01%		-35.54%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$2.700M	$2.700M	$3.100M
YoY Change	-12.9%	-12.9%	933.33%
LONG-TERM LIABILITIES
Long-Term Debt	$78.03M	$39.40M	$67.99M
YoY Change	14.77%	160.93%	-14.52%
Other Long-Term Liabilities	$9.600M	$9.600M	$9.900M
YoY Change	-3.03%	-3.03%	28.57%
Total Long-Term Liabilities	$78.03M	$49.00M	$67.99M
YoY Change	14.77%	96.0%	-14.52%
TOTAL LIABILITIES
Total Short-Term Liabilities	$2.700M	$2.700M	$3.100M
Total Long-Term Liabilities	$78.03M	$49.00M	$67.99M
Total Liabilities	$1.130B	$1.130B	$1.003B
YoY Change	12.62%	12.62%	15.48%
SHAREHOLDERS EQUITY
Retained Earnings	$50.28M		$44.84M
YoY Change	12.14%		6.47%
Common Stock	$45.00K		$47.00K
YoY Change	-4.26%		6.82%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$97.46M	$97.50M	$90.43M
YoY Change
Total Liabilities & Shareholders Equity	$1.227B	$1.227B	$1.094B
YoY Change	12.22%	12.21%	17.22%

Concept	2020 Q4	2020	2019 Q4
OPERATING ACTIVITIES
Net Income	$1.950M	$6.950M	$1.860M
YoY Change	4.84%	62.54%	69.09%
Depreciation, Depletion And Amortization	$460.0K	$1.700M	$400.0K
YoY Change	15.0%	11.84%	25.0%
Cash From Operating Activities	$1.490M	$46.56M	$1.560M
YoY Change	-4.49%	473.41%	-48.0%
INVESTING ACTIVITIES
Capital Expenditures	$90.00K	$1.261M	-$680.0K
YoY Change	-113.24%	-64.93%	-80.63%
Acquisitions
YoY Change
Other Investing Activities	-$20.47M	-$148.0M	-$56.33M
YoY Change	-63.66%	-7.07%	202.04%
Cash From Investing Activities	-$20.38M	-$149.2M	-$57.00M
YoY Change	-64.25%	-8.35%	157.1%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net		$30.19M
YoY Change		-3.31%
Cash From Financing Activities	23.38M	126.0M	35.83M
YoY Change	-34.75%	-15.19%	276.76%
NET CHANGE
Cash From Operating Activities	1.490M	46.56M	1.560M
Cash From Investing Activities	-20.38M	-149.2M	-57.00M
Cash From Financing Activities	23.38M	126.0M	35.83M
Net Change In Cash	4.490M	23.30M	-19.61M
YoY Change	-122.9%	-478.56%	103.0%
FREE CASH FLOW
Cash From Operating Activities	$1.490M	$46.56M	$1.560M
Capital Expenditures	$90.00K	$1.261M	-$680.0K
Free Cash Flow	$1.400M	$45.30M	$2.240M
YoY Change	-37.5%	901.33%	-65.59%

Frame	Concept Type	Concept / XBRL Key	Value
CY2020	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	FY
CY2020Q2	dei	Entity Public Float EntityPublicFloat	32200000
CY2021Q1	dei	Entity Common Stock Shares Outstanding EntityCommonStockSharesOutstanding	4540520
CY2020	dei	Entity Small Business EntitySmallBusiness	true
CY2020	dei	Entity Emerging Growth Company EntityEmergingGrowthCompany	false
CY2020	dei	Entity File Number EntityFileNumber	001-36695
CY2020	dei	Entity Incorporation State Country Code EntityIncorporationStateCountryCode	MD
CY2020	dei	Entity Tax Identification Number EntityTaxIdentificationNumber	38-3941859
CY2020	dei	Entity Address Address Line1 EntityAddressAddressLine1	214 West First Street
CY2020	dei	Entity Address City Or Town EntityAddressCityOrTown	Oswego
CY2020	dei	Entity Filer Category EntityFilerCategory	Non-accelerated Filer
CY2020	dei	Entity Voluntary Filers EntityVoluntaryFilers	No
CY2020	dei	Entity Interactive Data Current EntityInteractiveDataCurrent	Yes
CY2020	dei	Entity Registrant Name EntityRegistrantName	PATHFINDER BANCORP, INC.
CY2020	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
CY2020	dei	Entity Well Known Seasoned Issuer EntityWellKnownSeasonedIssuer	No
CY2020	dei	Entity Current Reporting Status EntityCurrentReportingStatus	Yes
CY2020	us-gaap	Interest Income Securities Taxable InterestIncomeSecuritiesTaxable	6524000
CY2020	us-gaap	Interest Income Securities Tax Exempt InterestIncomeSecuritiesTaxExempt	159000
CY2019	us-gaap	Dividend Income Operating DividendIncomeOperating	279000
CY2019	us-gaap	Interest And Dividend Income Operating InterestAndDividendIncomeOperating	41758000
CY2020	dei	Entity Central Index Key EntityCentralIndexKey	0001609065
CY2020	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2020
CY2019	us-gaap	Interest Income Securities Tax Exempt InterestIncomeSecuritiesTaxExempt	178000
CY2019	us-gaap	Interest Income Federal Funds Sold InterestIncomeFederalFundsSold	304000
CY2019	us-gaap	Noninterest Income NoninterestIncome	4917000
CY2020	dei	Document Type DocumentType	10-K
CY2020	dei	Amendment Flag AmendmentFlag	false
CY2020	dei	Document Period End Date DocumentPeriodEndDate	2020-12-31
CY2020	us-gaap	Interest And Fee Income Loans And Leases InterestAndFeeIncomeLoansAndLeases	35421000
CY2019	us-gaap	Interest And Fee Income Loans And Leases InterestAndFeeIncomeLoansAndLeases	34035000
CY2019	us-gaap	Interest Income Securities Taxable InterestIncomeSecuritiesTaxable	6962000
CY2020	dei	Entity Shell Company EntityShellCompany	false
CY2018Q4	us-gaap	Stockholders Equity Including Portion Attributable To Noncontrolling Interest StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest	64459000
CY2020	dei	Entity Address Postal Zip Code EntityAddressPostalZipCode	13126
CY2020	dei	City Area Code CityAreaCode	315
CY2020	dei	Local Phone Number LocalPhoneNumber	343-0057
CY2020	dei	Document Annual Report DocumentAnnualReport	true
CY2020	dei	Document Transition Report DocumentTransitionReport	false
CY2020Q4	us-gaap	Cash And Due From Banks CashAndDueFromBanks	14906000
CY2020Q4	us-gaap	Interest Bearing Deposits In Banks InterestBearingDepositsInBanks	28558000
CY2020Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	43464000
CY2020Q4	pbhc	Available For Sale Debt And Equity Securities AvailableForSaleDebtAndEquitySecurities	128261000
CY2020Q4	us-gaap	Held To Maturity Securities HeldToMaturitySecurities	171224000
CY2020Q4	us-gaap	Marketable Securities MarketableSecurities	1850000
CY2020Q4	us-gaap	Federal Home Loan Bank Stock FederalHomeLoanBankStock	4390000
CY2020Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	823969000
CY2020	us-gaap	Interest Expense Short Term Borrowings InterestExpenseShortTermBorrowings	148000
CY2019	us-gaap	Interest Expense Short Term Borrowings InterestExpenseShortTermBorrowings	377000
CY2020	us-gaap	Interest Expense Long Term Debt InterestExpenseLongTermDebt	1503000
CY2020	us-gaap	Noninterest Income NoninterestIncome	6485000
CY2020	us-gaap	Salaries And Wages SalariesAndWages	13468000
CY2019	us-gaap	Professional Fees ProfessionalFees	1325000
CY2019	us-gaap	Interest Expense Deposits InterestExpenseDeposits	10713000
CY2019	us-gaap	Interest Expense Long Term Debt InterestExpenseLongTermDebt	1575000
CY2019	us-gaap	Interest Expense Debt InterestExpenseDebt	863000
CY2019	us-gaap	Interest Expense InterestExpense	13528000
CY2019	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	28230000
CY2019	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	1966000
CY2019	us-gaap	Interest Income Expense After Provision For Loan Loss InterestIncomeExpenseAfterProvisionForLoanLoss	26264000
CY2019	us-gaap	Bank Owned Life Insurance Income BankOwnedLifeInsuranceIncome	462000
CY2019	us-gaap	Gain Loss On Sale Of Investments GainLossOnSaleOfInvestments	329000
CY2019	us-gaap	Equity Securities Fv Ni Gain Loss EquitySecuritiesFvNiGainLoss	81000
CY2019	pbhc	Net Gains Losses On Sales Of Loans And Foreclosed Real Estate NetGainsLossesOnSalesOfLoansAndForeclosedRealEstate	64000
CY2019	us-gaap	Insurance Services Revenue InsuranceServicesRevenue	844000
CY2019	us-gaap	Salaries And Wages SalariesAndWages	13660000
CY2019	us-gaap	Advertising Expense AdvertisingExpense	962000
CY2019	us-gaap	Federal Deposit Insurance Corporation Premium Expense FederalDepositInsuranceCorporationPremiumExpense	421000
CY2019	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	427000
CY2019	us-gaap	General Insurance Expense GeneralInsuranceExpense	816000
CY2019	pbhc	Community Service Activities CommunityServiceActivities	620000
CY2019	us-gaap	Foreclosed Real Estate Expense ForeclosedRealEstateExpense	337000
CY2019	us-gaap	Other Noninterest Expense OtherNoninterestExpense	2149000
CY2019	us-gaap	Noninterest Expense NoninterestExpense	25730000
CY2019	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	5451000
CY2019	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	1165000
CY2019	us-gaap	Profit Loss ProfitLoss	4286000
CY2019	us-gaap	Net Income Loss Attributable To Noncontrolling Interest NetIncomeLossAttributableToNoncontrollingInterest	10000
CY2019	us-gaap	Net Income Loss NetIncomeLoss	4276000
CY2020	pbhc	Warrant Dividends Income Statement Impact WarrantDividendsIncomeStatementImpact	30000
CY2020	dei	Entity Address State Or Province EntityAddressStateOrProvince	NY
CY2020	dei	Icfr Auditor Attestation Flag IcfrAuditorAttestationFlag	false
CY2020	dei	Security12b Title Security12bTitle	Common Stock, $0.01 par value
CY2020	dei	Trading Symbol TradingSymbol	PBHC
CY2020	dei	Security Exchange Name SecurityExchangeName	NASDAQ
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CY2019Q4	us-gaap	Interest Bearing Deposits In Banks InterestBearingDepositsInBanks	11876000
CY2019Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	20160000
CY2019Q4	pbhc	Available For Sale Debt And Equity Securities AvailableForSaleDebtAndEquitySecurities	111134000
CY2019Q4	us-gaap	Held To Maturity Securities HeldToMaturitySecurities	122988000
CY2019Q4	us-gaap	Marketable Securities MarketableSecurities	534000
CY2019Q4	us-gaap	Federal Home Loan Bank Stock FederalHomeLoanBankStock	4834000
CY2019Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	745516000
CY2020Q4	us-gaap	Loans Receivable Held For Sale Amount LoansReceivableHeldForSaleAmount	1526000
CY2019Q4	us-gaap	Loans Receivable Held For Sale Amount LoansReceivableHeldForSaleAmount	35935000
CY2020Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	12777000
CY2019Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	8669000
CY2020Q4	us-gaap	Notes Receivable Net NotesReceivableNet	812718000
CY2019Q4	us-gaap	Notes Receivable Net NotesReceivableNet	772782000
CY2020Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	22264000
CY2019Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	22699000
CY2020Q4	us-gaap	Operating Lease Right Of Use Asset OperatingLeaseRightOfUseAsset	2240000
CY2019Q4	us-gaap	Operating Lease Right Of Use Asset OperatingLeaseRightOfUseAsset	2386000
CY2020Q4	us-gaap	Interest Receivable Current InterestReceivableCurrent	4549000
CY2019Q4	us-gaap	Interest Receivable Current InterestReceivableCurrent	3712000
CY2019Q4	us-gaap	Foreclosed Assets ForeclosedAssets	88000
CY2020Q4	us-gaap	Intangible Assets Net Excluding Goodwill IntangibleAssetsNetExcludingGoodwill	133000
CY2019Q4	us-gaap	Intangible Assets Net Excluding Goodwill IntangibleAssetsNetExcludingGoodwill	149000
CY2020Q4	us-gaap	Goodwill Goodwill	4536000
CY2019Q4	us-gaap	Goodwill Goodwill	4536000
CY2020Q4	us-gaap	Bank Owned Life Insurance BankOwnedLifeInsurance	17864000
CY2019Q4	us-gaap	Bank Owned Life Insurance BankOwnedLifeInsurance	17403000
CY2020Q4	us-gaap	Other Assets OtherAssets	13950000
CY2019Q4	us-gaap	Other Assets OtherAssets	10402000
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CY2020Q4	us-gaap	Interest Bearing Deposit Liabilities InterestBearingDepositLiabilities	833850000
CY2019Q4	us-gaap	Interest Bearing Deposit Liabilities InterestBearingDepositLiabilities	774392000
CY2020Q4	us-gaap	Noninterest Bearing Deposit Liabilities NoninterestBearingDepositLiabilities	162057000
CY2019Q4	us-gaap	Noninterest Bearing Deposit Liabilities NoninterestBearingDepositLiabilities	107501000
CY2020Q4	us-gaap	Deposits Deposits	995907000
CY2019Q4	us-gaap	Deposits Deposits	881893000
CY2020Q4	us-gaap	Short Term Borrowings ShortTermBorrowings	4020000
CY2019Q4	us-gaap	Short Term Borrowings ShortTermBorrowings	25138000
CY2020Q4	us-gaap	Long Term Debt Noncurrent LongTermDebtNoncurrent	78030000
CY2019Q4	us-gaap	Long Term Debt Noncurrent LongTermDebtNoncurrent	67987000
CY2020Q4	us-gaap	Junior Subordinated Debenture Owed To Unconsolidated Subsidiary Trust JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust	39400000
CY2019Q4	us-gaap	Junior Subordinated Debenture Owed To Unconsolidated Subsidiary Trust JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust	15128000
CY2020Q4	us-gaap	Interest Payable Current And Noncurrent InterestPayableCurrentAndNoncurrent	193000
CY2019Q4	us-gaap	Interest Payable Current And Noncurrent InterestPayableCurrentAndNoncurrent	396000
CY2020Q4	us-gaap	Operating Lease Liability OperatingLeaseLiability	2525000
CY2019Q4	us-gaap	Operating Lease Liability OperatingLeaseLiability	2650000
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CY2019	us-gaap	Proceeds From Payments To Minority Shareholders ProceedsFromPaymentsToMinorityShareholders	-3000
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CY2020Q4	us-gaap	Preferred Stock Value PreferredStockValue	14000
CY2019Q4	us-gaap	Preferred Stock Value PreferredStockValue	12000
CY2020	us-gaap	Interest Income Federal Funds Sold InterestIncomeFederalFundsSold	79000
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CY2020Q4	us-gaap	Restricted Cash RestrictedCash	0
CY2019Q4	us-gaap	Restricted Cash RestrictedCash	0
CY2020Q4	us-gaap	Held To Maturity Securities Fair Value HeldToMaturitySecuritiesFairValue	174935000
CY2019Q4	us-gaap	Held To Maturity Securities Fair Value HeldToMaturitySecuritiesFairValue	124148000
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CY2019Q4	us-gaap	Preferred Stock Shares Authorized PreferredStockSharesAuthorized	10000000
CY2020Q4	us-gaap	Common Stock Value CommonStockValue	45000
CY2019Q4	us-gaap	Common Stock Value CommonStockValue	47000
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CY2019Q4	us-gaap	Additional Paid In Capital AdditionalPaidInCapital	49362000
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CY2019Q4	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	-2971000
CY2020Q4	us-gaap	Unearned Esop Shares UnearnedESOPShares	675000
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CY2020Q4	us-gaap	Stockholders Equity StockholdersEquity	97456000
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CY2020Q4	us-gaap	Minority Interest MinorityInterest	266000
CY2019Q4	us-gaap	Minority Interest MinorityInterest	235000
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CY2019Q4	us-gaap	Preferred Stock Shares Outstanding PreferredStockSharesOutstanding	1155283
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CY2020	us-gaap	Dividend Income Operating DividendIncomeOperating	324000
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CY2020	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	4707000
CY2020	us-gaap	Interest Income Expense After Provision For Loan Loss InterestIncomeExpenseAfterProvisionForLoanLoss	26936000
CY2020	us-gaap	Bank Owned Life Insurance Income BankOwnedLifeInsuranceIncome	460000
CY2020	us-gaap	Gain Loss On Sale Of Investments GainLossOnSaleOfInvestments	1076000
CY2020	us-gaap	Equity Securities Fv Ni Gain Loss EquitySecuritiesFvNiGainLoss	-629000
CY2020	pbhc	Net Gains Losses On Sales Of Loans And Foreclosed Real Estate NetGainsLossesOnSalesOfLoansAndForeclosedRealEstate	1179000
CY2020	us-gaap	Insurance Services Revenue InsuranceServicesRevenue	955000
CY2019	us-gaap	Net Income Loss Available To Common Stockholders Basic NetIncomeLossAvailableToCommonStockholdersBasic	3578000
CY2020	us-gaap	Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax	-844000
CY2019	us-gaap	Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax	-590000
CY2020	us-gaap	Professional Fees ProfessionalFees	1210000
CY2020	us-gaap	Advertising Expense AdvertisingExpense	941000
CY2020	us-gaap	Federal Deposit Insurance Corporation Premium Expense FederalDepositInsuranceCorporationPremiumExpense	699000
CY2020	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	507000
CY2020	us-gaap	General Insurance Expense GeneralInsuranceExpense	743000
CY2020	pbhc	Community Service Activities CommunityServiceActivities	199000
CY2020	us-gaap	Foreclosed Real Estate Expense ForeclosedRealEstateExpense	50000
CY2020	us-gaap	Other Noninterest Expense OtherNoninterestExpense	1854000
CY2020	us-gaap	Noninterest Expense NoninterestExpense	25080000
CY2020	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	8341000
CY2020	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	1295000
CY2020	us-gaap	Profit Loss ProfitLoss	7046000
CY2020	us-gaap	Net Income Loss Attributable To Noncontrolling Interest NetIncomeLossAttributableToNoncontrollingInterest	96000
CY2020	us-gaap	Net Income Loss NetIncomeLoss	6950000
CY2020	us-gaap	Preferred Stock Dividends Income Statement Impact PreferredStockDividendsIncomeStatementImpact	291000
CY2019	us-gaap	Preferred Stock Dividends Income Statement Impact PreferredStockDividendsIncomeStatementImpact	208000
CY2019	pbhc	Warrant Dividends Income Statement Impact WarrantDividendsIncomeStatementImpact	23000
CY2020	us-gaap	Undistributed Earnings Loss Allocated To Participating Securities Basic UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic	1224000
CY2019	us-gaap	Undistributed Earnings Loss Allocated To Participating Securities Basic UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic	467000
CY2020	us-gaap	Net Income Loss Available To Common Stockholders Basic NetIncomeLossAvailableToCommonStockholdersBasic	5405000
CY2020	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	1.17
CY2019	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	0.80
CY2020	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	1.17
CY2019	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	0.80
CY2020	us-gaap	Common Stock Dividends Per Share Declared CommonStockDividendsPerShareDeclared	0.24
CY2019	us-gaap	Common Stock Dividends Per Share Declared CommonStockDividendsPerShareDeclared	0.24
CY2020	us-gaap	Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Net Unamortized Gain Loss Arising During Period Before Tax OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax	234000
CY2019	us-gaap	Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Net Unamortized Gain Loss Arising During Period Before Tax OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax	335000
CY2020	us-gaap	Other Comprehensive Income Loss Finalization Of Pension And Non Pension Postretirement Plan Valuation Before Tax OtherComprehensiveIncomeLossFinalizationOfPensionAndNonPensionPostretirementPlanValuationBeforeTax	610000
CY2019	us-gaap	Other Comprehensive Income Loss Finalization Of Pension And Non Pension Postretirement Plan Valuation Before Tax OtherComprehensiveIncomeLossFinalizationOfPensionAndNonPensionPostretirementPlanValuationBeforeTax	255000
CY2020	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax	2352000
CY2019	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax	3869000
CY2020	us-gaap	Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax	926000
CY2019	us-gaap	Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax	329000
CY2020	us-gaap	Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Tax OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax	1426000
CY2019	us-gaap	Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Tax OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax	3540000
CY2020	pbhc	Unrealized Holding Losses Arising During The Period UnrealizedHoldingLossesArisingDuringThePeriod	1308000
CY2020	us-gaap	Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification Before Tax OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax	-1308000
CY2020	pbhc	Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Before Tax OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodBeforeTax	33000
CY2019	pbhc	Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Before Tax OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodBeforeTax	27000
CY2020	us-gaap	Other Comprehensive Income Loss Before Tax OtherComprehensiveIncomeLossBeforeTax	995000
CY2019	us-gaap	Other Comprehensive Income Loss Before Tax OtherComprehensiveIncomeLossBeforeTax	4157000
CY2020	us-gaap	Other Comprehensive Income Loss Tax OtherComprehensiveIncomeLossTax	260000
CY2019	us-gaap	Other Comprehensive Income Loss Tax OtherComprehensiveIncomeLossTax	1086000
CY2020	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	735000
CY2019	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	3071000
CY2020	us-gaap	Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest	7781000
CY2019	us-gaap	Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest	7357000
CY2020	us-gaap	Comprehensive Income Net Of Tax Attributable To Noncontrolling Interest ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest	96000
CY2019	us-gaap	Comprehensive Income Net Of Tax Attributable To Noncontrolling Interest ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest	10000
CY2020	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	7685000
CY2019	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	7347000
CY2020	us-gaap	Other Comprehensive Income Defined Benefit Plans Net Unamortized Gain Loss Arising During Period Tax OtherComprehensiveIncomeDefinedBenefitPlansNetUnamortizedGainLossArisingDuringPeriodTax	61000
CY2019	us-gaap	Other Comprehensive Income Defined Benefit Plans Net Unamortized Gain Loss Arising During Period Tax OtherComprehensiveIncomeDefinedBenefitPlansNetUnamortizedGainLossArisingDuringPeriodTax	88000
CY2020	us-gaap	Other Comprehensive Income Finalization Of Pension And Non Pension Postretirement Plan Valuation Tax OtherComprehensiveIncomeFinalizationOfPensionAndNonPensionPostretirementPlanValuationTax	159000
CY2020	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	125966000
CY2019	us-gaap	Other Comprehensive Income Finalization Of Pension And Non Pension Postretirement Plan Valuation Tax OtherComprehensiveIncomeFinalizationOfPensionAndNonPensionPostretirementPlanValuationTax	67000
CY2020	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax	615000
CY2019	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax	1010000
CY2020	us-gaap	Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax	242000
CY2019	us-gaap	Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax	86000
CY2020	us-gaap	Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification Tax OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax	342000
CY2020	pbhc	Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Tax OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodTax	9000
CY2019	pbhc	Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Tax OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodTax	7000
CY2020	pbhc	Esop Shares Earned EsopSharesEarned	270000
CY2020	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	300000
CY2020	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	223000
CY2020	us-gaap	Dividends Common Stock DividendsCommonStock	1102000
CY2020	us-gaap	Dividends Preferred Stock DividendsPreferredStock	291000
CY2020	pbhc	Dividends Warrant DividendsWarrant	30000
CY2020	pbhc	Distributions From Affiliates DistributionsFromAffiliates	98000
CY2019	pbhc	Common Stock Issued During Period Value Private Placement Net Of Expenses CommonStockIssuedDuringPeriodValuePrivatePlacementNetOfExpenses	3826000
CY2019	pbhc	Preferred Stock Issued During Period Value Private Placement Net Of Expenses PreferredStockIssuedDuringPeriodValuePrivatePlacementNetOfExpenses	15370000
CY2019	us-gaap	Adjustments To Additional Paid In Capital Warrant Issued AdjustmentsToAdditionalPaidInCapitalWarrantIssued	373000
CY2019	pbhc	Esop Shares Earned EsopSharesEarned	339000
CY2019	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	291000
CY2019	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	218000
CY2019	us-gaap	Dividends Common Stock DividendsCommonStock	1081000
CY2019	us-gaap	Dividends Preferred Stock DividendsPreferredStock	208000
CY2019	pbhc	Dividends Warrant DividendsWarrant	23000
CY2019	pbhc	Distributions From Affiliates DistributionsFromAffiliates	13000
CY2020	us-gaap	Employee Stock Ownership Plan Esop Shares Contributed To Esop EmployeeStockOwnershipPlanESOPSharesContributedToESOP	24442
CY2019	us-gaap	Employee Stock Ownership Plan Esop Shares Contributed To Esop EmployeeStockOwnershipPlanESOPSharesContributedToESOP	24442
CY2020	us-gaap	Stock Issued During Period Shares Restricted Stock Award Gross StockIssuedDuringPeriodSharesRestrictedStockAwardGross	13437
CY2019	us-gaap	Stock Issued During Period Shares Restricted Stock Award Gross StockIssuedDuringPeriodSharesRestrictedStockAwardGross	18709
CY2020	us-gaap	Preferred Stock Dividends Per Share Declared PreferredStockDividendsPerShareDeclared	0.24
CY2019	us-gaap	Preferred Stock Dividends Per Share Declared PreferredStockDividendsPerShareDeclared	0.18
CY2020	pbhc	Warrant Dividends Per Share Declared WarrantDividendsPerShareDeclared	0.24
CY2019	pbhc	Warrant Dividends Per Share Declared WarrantDividendsPerShareDeclared	0.18
CY2019	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	-16000
CY2020	pbhc	Amortization Of Operating Leases AmortizationOfOperatingLeases	20000
CY2019	pbhc	Amortization Of Operating Leases AmortizationOfOperatingLeases	25000
CY2020	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	50914000
CY2019	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	1492000
CY2020	us-gaap	Payments For Origination Of Mortgage Loans Held For Sale PaymentsForOriginationOfMortgageLoansHeldForSale	15321000
CY2019	us-gaap	Payments For Origination Of Mortgage Loans Held For Sale PaymentsForOriginationOfMortgageLoansHeldForSale	1474000
CY2020	pbhc	Gains Losses On Real Estate Acquired Through Foreclosure GainsLossesOnRealEstateAcquiredThroughForeclosure	-14000
CY2019	pbhc	Gains Losses On Real Estate Acquired Through Foreclosure GainsLossesOnRealEstateAcquiredThroughForeclosure	31000
CY2020	us-gaap	Gain Loss On Sales Of Loans Net GainLossOnSalesOfLoansNet	1193000
CY2019	us-gaap	Gain Loss On Sales Of Loans Net GainLossOnSalesOfLoansNet	33000
CY2020	pbhc	Payments For Proceeds From Sale Of Available For Sale Securities Debt PaymentsForProceedsFromSaleOfAvailableForSaleSecuritiesDebt	1042000
CY2019	pbhc	Payments For Proceeds From Sale Of Available For Sale Securities Debt PaymentsForProceedsFromSaleOfAvailableForSaleSecuritiesDebt	256000
CY2020	us-gaap	Heldtomaturity Securities Sold Security Realized Gain Loss Excluding Other Than Temporary Impairments HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments	34000
CY2019	us-gaap	Heldtomaturity Securities Sold Security Realized Gain Loss Excluding Other Than Temporary Impairments HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments	73000
CY2020	us-gaap	Marketable Securities Realized Gain Loss MarketableSecuritiesRealizedGainLoss	-629000
CY2019	us-gaap	Marketable Securities Realized Gain Loss MarketableSecuritiesRealizedGainLoss	81000
CY2020	us-gaap	Depreciation Depreciation	1696000
CY2019	us-gaap	Depreciation Depreciation	1520000
CY2020	pbhc	Amortization Accretion Of Mortgage Servicing Rights AmortizationAccretionOfMortgageServicingRights	-354000
CY2019	pbhc	Amortization Accretion Of Mortgage Servicing Rights AmortizationAccretionOfMortgageServicingRights	-3000
CY2020	pbhc	Amortization Accretion Of Deferred Loan Costs AmortizationAccretionOfDeferredLoanCosts	786000
CY2019	pbhc	Amortization Accretion Of Deferred Loan Costs AmortizationAccretionOfDeferredLoanCosts	-272000
CY2020	pbhc	Amortization Of Financing Cost From Subordinated Debt AmortizationOfFinancingCostFromSubordinatedDebt	55000
CY2019	pbhc	Amortization Of Financing Cost From Subordinated Debt AmortizationOfFinancingCostFromSubordinatedDebt	34000
CY2020	pbhc	Bank Owned Life Insurance Income Operating Activities BankOwnedLifeInsuranceIncomeOperatingActivities	460000
CY2019	pbhc	Bank Owned Life Insurance Income Operating Activities BankOwnedLifeInsuranceIncomeOperatingActivities	462000
CY2020	us-gaap	Amortization Of Debt Discount Premium AmortizationOfDebtDiscountPremium	2104000
CY2019	us-gaap	Amortization Of Debt Discount Premium AmortizationOfDebtDiscountPremium	1269000
CY2020	us-gaap	Amortization Of Intangible Assets AmortizationOfIntangibleAssets	16000
CY2019	us-gaap	Amortization Of Intangible Assets AmortizationOfIntangibleAssets	16000
CY2020	us-gaap	Stock Option Plan Expense StockOptionPlanExpense	570000
CY2019	us-gaap	Stock Option Plan Expense StockOptionPlanExpense	630000
CY2020	us-gaap	Increase Decrease In Accrued Interest Receivable Net IncreaseDecreaseInAccruedInterestReceivableNet	837000
CY2019	us-gaap	Increase Decrease In Accrued Interest Receivable Net IncreaseDecreaseInAccruedInterestReceivableNet	644000
CY2020	us-gaap	Increase Decrease In Other Operating Capital Net IncreaseDecreaseInOtherOperatingCapitalNet	2659000
CY2019	us-gaap	Increase Decrease In Other Operating Capital Net IncreaseDecreaseInOtherOperatingCapitalNet	-237000
CY2020	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	46561000
CY2019	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	8120000
CY2020	pbhc	Payments To Acquire Available For Sale Debt And Equity Securities PaymentsToAcquireAvailableForSaleDebtAndEquitySecurities	143132000
CY2019	pbhc	Payments To Acquire Available For Sale Debt And Equity Securities PaymentsToAcquireAvailableForSaleDebtAndEquitySecurities	75551000
CY2020	us-gaap	Payments To Acquire Held To Maturity Securities PaymentsToAcquireHeldToMaturitySecurities	97135000
CY2019	us-gaap	Payments To Acquire Held To Maturity Securities PaymentsToAcquireHeldToMaturitySecurities	88892000
CY2020	us-gaap	Payments To Acquire Federal Home Loan Bank Stock PaymentsToAcquireFederalHomeLoanBankStock	3463000
CY2019	us-gaap	Payments To Acquire Federal Home Loan Bank Stock PaymentsToAcquireFederalHomeLoanBankStock	10201000
CY2020	us-gaap	Proceeds From Sale Of Federal Home Loan Bank Stock ProceedsFromSaleOfFederalHomeLoanBankStock	3907000
CY2019	us-gaap	Proceeds From Sale Of Federal Home Loan Bank Stock ProceedsFromSaleOfFederalHomeLoanBankStock	11304000
CY2020	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	98718000
CY2019	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	42433000
CY2020	us-gaap	Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities	44918000
CY2019	us-gaap	Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities	19101000
CY2020	pbhc	Proceeds From Sale Of Available For Sale Debt And Equity Securities ProceedsFromSaleOfAvailableForSaleDebtAndEquitySecurities	25795000
CY2019	pbhc	Proceeds From Sale Of Available For Sale Debt And Equity Securities ProceedsFromSaleOfAvailableForSaleDebtAndEquitySecurities	102352000
CY2020	us-gaap	Proceeds From Sale Of Held To Maturity Securities ProceedsFromSaleOfHeldToMaturitySecurities	3461000
CY2019	us-gaap	Proceeds From Sale Of Held To Maturity Securities ProceedsFromSaleOfHeldToMaturitySecurities	635000
CY2020	us-gaap	Proceeds From Sale Of Foreclosed Assets ProceedsFromSaleOfForeclosedAssets	132000
CY2019	us-gaap	Proceeds From Sale Of Foreclosed Assets ProceedsFromSaleOfForeclosedAssets	1664000
CY2020	us-gaap	Payments For Proceeds From Loans And Leases PaymentsForProceedsFromLoansAndLeases	81163000
CY2019	us-gaap	Payments For Proceeds From Loans And Leases PaymentsForProceedsFromLoansAndLeases	162060000
CY2020	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	1261000
CY2019	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	3596000
CY2020	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-149223000
CY2019	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-162811000
CY2020	us-gaap	Increase Decrease In Demand Deposits IncreaseDecreaseInDemandDeposits	138651000
CY2019	us-gaap	Increase Decrease In Demand Deposits IncreaseDecreaseInDemandDeposits	10021000
CY2020	us-gaap	Increase Decrease In Time Deposits IncreaseDecreaseInTimeDeposits	-58061000
CY2019	us-gaap	Increase Decrease In Time Deposits IncreaseDecreaseInTimeDeposits	49708000
CY2020	pbhc	Increase Decrease In Brokered Deposits IncreaseDecreaseInBrokeredDeposits	33424000
CY2019	pbhc	Increase Decrease In Brokered Deposits IncreaseDecreaseInBrokeredDeposits	95104000
CY2020	us-gaap	Proceeds From Repayments Of Short Term Debt ProceedsFromRepaymentsOfShortTermDebt	-21118000
CY2019	us-gaap	Proceeds From Repayments Of Short Term Debt ProceedsFromRepaymentsOfShortTermDebt	-13862000
CY2020	us-gaap	Repayments Of Long Term Debt RepaymentsOfLongTermDebt	30193000
CY2019	us-gaap	Repayments Of Long Term Debt RepaymentsOfLongTermDebt	31227000
CY2020	us-gaap	Proceeds From Issuance Of Long Term Debt ProceedsFromIssuanceOfLongTermDebt	40236000
CY2019	us-gaap	Proceeds From Issuance Of Long Term Debt ProceedsFromIssuanceOfLongTermDebt	19680000
CY2020	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	223000
CY2019	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	218000
CY2020	pbhc	Proceeds From Junior Subordinated Debenture Owed To Unconsolidated Subsidiary Trust ProceedsFromJuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust	25000000
CY2020	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	783000
CY2020	us-gaap	Payments Of Dividends Common Stock PaymentsOfDividendsCommonStock	1137000
CY2019	us-gaap	Payments Of Dividends Common Stock PaymentsOfDividendsCommonStock	1091000
CY2020	us-gaap	Payments Of Dividends Preferred Stock And Preference Stock PaymentsOfDividendsPreferredStockAndPreferenceStock	277000
CY2019	us-gaap	Payments Of Dividends Preferred Stock And Preference Stock PaymentsOfDividendsPreferredStockAndPreferenceStock	139000
CY2020	pbhc	Payments Of Dividends Warrants PaymentsOfDividendsWarrants	30000
CY2019	pbhc	Payments Of Dividends Warrants PaymentsOfDividendsWarrants	15000
CY2018Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations	26316000
CY2019	pbhc	Proceeds From Finance Lease Transaction ProceedsFromFinanceLeaseTransaction	572000
CY2020	us-gaap	Proceeds From Payments To Minority Shareholders ProceedsFromPaymentsToMinorityShareholders	31000
CY2020Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations	43464000
CY2020	us-gaap	Interest Paid Net InterestPaidNet	11067000
CY2019	us-gaap	Interest Paid Net InterestPaidNet	13436000
CY2020	us-gaap	Income Taxes Paid IncomeTaxesPaid	2650000
CY2019Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations	20160000
CY2019	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	148535000
CY2020	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	23304000
CY2019	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	-6156000
CY2019	us-gaap	Income Taxes Paid IncomeTaxesPaid	750000
CY2020	pbhc	Transfer Of Loans To Foreclosed Real Estate TransferOfLoansToForeclosedRealEstate	58000
CY2019	pbhc	Transfer Of Loans To Foreclosed Real Estate TransferOfLoansToForeclosedRealEstate	548000
CY2020	pbhc	Collateral Deposits For Hedge Position Included In Cash And Due From Banks CollateralDepositsForHedgePositionIncludedInCashAndDueFromBanks	1600000
CY2020	us-gaap	Description Of New Accounting Pronouncements Not Yet Adopted DescriptionOfNewAccountingPronouncementsNotYetAdopted	<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;">Note 2:   New Accounting Pronouncements</p> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;"> </p> <p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;letter-spacing:-0.1pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Financial Accounting Standards Board (“FASB”) and, to a lesser extent, other authoritative rulemaking bodies promulgate GAAP to regulate the standards of accounting in the United States.  From time to time, the FASB issues new GAAP standards, known as Accounting Standards Updates (“ASUs”) 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.  The following table provides a description of standards that were adopted in 2020 and standards not yet adopted as of December 31, 2020, but could have an impact on the Company's consolidated financial statements upon adoption. </p> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td colspan="7" valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:100%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standards Adopted in 2020</p></td> </tr> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.18%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</p></td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Fair Value Measurement <font style="font-style:italic;">(ASU 2018-13: Fair Value Measurement [Topic 820]: Disclosure Framework Changes to the Disclosure Requirements for Fair Value Measurement</font></p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The FASB is issuing the amendments in this ASU as part of the disclosure framework project. The disclosure framework project’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’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, <font style="font-style:italic;">Fair Value Measurement</font>.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. The amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. The policy for timing of transfers between levels.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3. The valuation processes for Level 3 fair value measurements.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. For investments in certain entities that calculate net asset value, an entity is required to disclose the timing of liquidation of an investee’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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. The amendments clarify that the measurement uncertainty disclosure is to communicate information about the uncertainty in measurement as of the reporting date.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. 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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. 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.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">January 1, 2020</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.18%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The adoption of this ASU had no material impact to the Company's consolidated statements of condition or income.</p></td> </tr> </table></div> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><br /></p> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.28%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</p></td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Various Codification Improvements <font style="font-style:italic;">(ASU 2019-04:</font> <font style="font-style:italic;">Codification Improvements to Topic 326, Financial Instruments—Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments)</font></p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The FASB is issuing the amendments in this ASU as part of its ongoing project on its agenda for improving the Codification and correcting its unintended application. The items addressed in that project generally are not expected to have a significant effect on current accounting practices. The amendments in this ASU are summarized below.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For Codification Improvements specific to ASU 2016-01, the following topics are covered within ASU 2019-04:</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Scope Clarifications</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Held-to-Maturity Debt Securities Fair Value Disclosures</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Applicability of Topic 820 to the Measurement Alternative</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Remeasurement of Equity Securities at Historical Exchange Rates</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The ASU also covers a number of issues that relate to hedge accounting (ASU-2017-12) including:</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Scoping for Not-for-Profit Entities</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Transition Guidance</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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 (“TRG”) meetings. The amendments clarify or address stakeholders’ specific issues about certain aspects of the amendments in Update 2016-13 on a number of different topics, including the following:</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Accrued Interest</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Transfers between Classifications or Categories for Loans and Debt Securities</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Recoveries</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Consideration of Prepayments in Determining the Effective Interest Rate</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Consideration of Estimated Costs to Sell When Foreclosure Is Probable</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Vintage Disclosures— Line-of-Credit Arrangements Converted to Term Loans</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Contractual Extensions and Renewals</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This ASU 2019-04 has various implementation dates dependent on a number of factors as it pertains to the above items.  The Company has adopted ASU 2016-01 and ASU 2017-12, but has not adopted ASU 2016-13.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.28%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The adoption of this ASU had no material impact to its consolidated statements of condition or income.</p></td> </tr> </table></div> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><br /></p> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td colspan="7" valign="bottom" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:100%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standards Not Yet Adopted as of December 31, 2020</p></td> </tr> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.28%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</p></td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Measurement of Credit Losses on Financial Instruments <font style="font-style:italic;">(ASU 2016-13: Financial Instruments—Credit Losses [Topic 326]: Measurement of Credit Losses on Financial Instruments)</font></p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: 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.  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.  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.  The initial allowance for these assets will be added to the purchase price at acquisition rather than being reported as an expense.  Subsequent changes in the allowance will be recorded through the income statement as an expense adjustment.  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.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">January 1, 2023 (early adoption permitted as of January 1, 2019)</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.28%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company is assessing the new guidance to determine what modifications to existing credit estimation processes may be required. The new guidance is complex and management is still evaluating the preliminary output from models that have been developed during this evaluative phase. In addition, future levels of allowances will also reflect new requirements to include estimated credit losses on investment securities classified as held-to-maturity, if any.  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.  It has been generally assumed that the conversion from the incurred loss model, required under current GAAP, to the current expected credit loss (CECL) methodology (as required upon implementation of this Update) will, more likely than not, result in increases to the allowances for credit losses at many financial institutions.  However, 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. The amendments in this Update should be applied on a modified retrospective basis by means of a cumulative-effect adjustment to the opening retained earnings balance in the statement of financial position as of the date that an entity adopted the amendments in Update 2016-13.  The cumulative impact of the economic effects of the COVID-19 pandemic on the changes to the allowance for loan losses, that will be required upon the implementation of the CECL methodology, cannot be estimated at this time.</p></td> </tr> </table></div> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><br /></p> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</p></td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Transition Relief for the Implementation of ASU-2016-13 <font style="font-style:italic;">(ASU 2019-5: Financial Instruments—Credit Losses [Topic 326]: Targeted Transition Relief)</font></p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this ASU provide entities that have certain instruments within the scope of Subtopic 326-20, <font style="font-style:italic;">Financial Instruments—Credit Losses—Measured at Amortized Cost</font>, with an option to irrevocably elect the fair value option in Subtopic 825-10, <font style="font-style:italic;">Financial Instruments—Overall</font>, applied on an instrument-by-instrument basis for eligible instruments, upon adoption of Topic 326.  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, <font style="font-style:italic;">Fair Value Measurement—Overall</font>, and 825-10.  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.  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></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">See comments above related to ASU 2016-13.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">See comments above related to ASU 2016-13.</p></td> </tr> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</p></td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Compensation<font style="font-style:italic;"> (ASU 2018-14: Compensation - Retirement Benefits - Defined Benefit Plans - General [Subtopic 715 – 20]: Disclosure Framework - Changes to the Disclosure Requirements for Defined Benefit Plans)</font></p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">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.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. The amounts in accumulated other comprehensive income expected to be recognized as components of net periodic benefit cost over the next fiscal year.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. The amount and timing of plan assets expected to be returned to the employer.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3. 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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4. 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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. The weighted-average interest crediting rates for cash balance plans and other plans with promised interest crediting rates.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. An explanation of the reasons for significant gains and losses related to changes in the benefit obligation for the period.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">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> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. The projected benefit obligation (PBO) and fair value of plan assets for plans with PBOs in excess of plan assets.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. The accumulated benefit obligation (ABO) and fair value of plan assets for plans with ABOs in excess of plan assets.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: 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.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company does not expect that the new guidance will have a material impact to the Company's consolidated statements of condition or income.</p></td> </tr> </table></div> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><br /></p> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</p></td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Investments <font style="font-style:italic;">(ASU 2020-01- Equity Securities [Topic 321], Investments—Equity Method and Joint Ventures [Topic 323], and Derivatives and Hedging [Topic 815]—Clarifying the Interactions between Topic 321, Topic 323, and Topic 815)</font></p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this Update clarify the interaction of the accounting for equity securities under Topic 321 and investments accounted for under the equity method of accounting in Topic 323 and the accounting for certain forward contracts and purchased options accounted for under Topic 815.   The amendments clarify that an entity should consider observable transactions that require it to either apply or discontinue the equity method of accounting for the purposes of applying the measurement alternative in accordance with Topic 321 immediately before applying or upon discontinuing the equity method. The amendments clarify that for the purpose of applying paragraph 815-10-15-141(a) an entity should not consider whether, upon the settlement of the forward contract or exercise of the purchased option, individually or with existing investments, the underlying securities would be accounted for under the equity method in Topic 323 or the fair value option in accordance with the financial instruments guidance in Topic 825. An entity also would evaluate the remaining characteristics in paragraph 815-10-15-141 to determine the accounting for those forward contracts and purchased options.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: 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.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this Update should be applied prospectively.  The Company does not expect that the new guidance will have a material impact to its consolidated statements of condition or income.</p></td> </tr> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</p></td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Income Taxes <font style="font-style:italic;">(ASU 2019-12- Simplifying the Accounting for Income Taxes)</font></p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The FASB Board is issuing this Update as part of its initiative to reduce complexity in accounting standards (the Simplification Initiative).</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this Update simplify the accounting for income taxes by removing the following exceptions, among others not considered to be applicable to the Company:</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. Exception to the incremental approach for intraperiod tax allocation when there is a loss from continuing operations and income or a gain from other items (for example, discontinued operations or other comprehensive income)</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. Exception to the general methodology for calculating income taxes in an interim period when a year-to-date loss exceeds the anticipated loss for the year.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this Update also simplify the accounting for income taxes by doing the following:</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. Requiring that an entity recognize a franchise tax (or similar tax) that is partially based on income as an income-based tax and account for any incremental amount incurred as a non-income-based tax.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2.  Requiring that an entity evaluate when a step up in the tax basis of goodwill should be considered part of the business combination in which the book goodwill was originally recognized and when it should be considered a separate transaction.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3. Specifying that an entity is not required to allocate the consolidated amount of current and deferred tax expense to a legal entity that is not subject to tax in its separate financial statements. However, an entity may elect to do so (on an entity-by-entity basis) for a legal entity that is both not subject to tax and disregarded by the taxing authority.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4. Requiring that an entity reflect the effect of an enacted change in tax laws or rates in the annual effective tax rate computation in the interim period that includes the enactment date.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5. Making minor Codification improvements for income taxes related to employee stock ownership plans and investments in qualified affordable housing projects accounted for using the equity method.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: 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 of the amendments is permitted, including adoption in any interim period for (1) public business entities for periods for which financial statements have not yet been issued and (2) all other entities for periods for which financial statements have not yet been made available for issuance. An entity that elects to early adopt the amendments in an interim period should reflect any adjustments as of the beginning of the annual period that includes that interim period. Additionally, an entity that elects early adoption must adopt all the amendments in the same period.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this Update related to separate financial statements of legal entities that are not subject to tax should be applied on a retrospective basis for all periods presented. The amendments related to changes in ownership of foreign equity method investments or foreign subsidiaries should be applied on a modified retrospective basis through a cumulative-effect adjustment to retained earnings as of the beginning of the fiscal year of adoption. The amendments related to franchise taxes that are partially based on income should be applied on either a retrospective basis for all periods presented or a modified retrospective basis through a cumulative-effect adjustment to retained earnings as of the beginning of the fiscal year of adoption. All other amendments should be applied on a prospective basis.  The Company does not expect the new guidance will have a material impact to its consolidated statements of condition or income.</p></td> </tr> </table></div> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><br /></p> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</p></td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Financial Instruments—Credit Losses <font style="font-style:italic;">(ASU 2019-11- Codification Improvements to Topic 326)</font></p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On June 16, 2016, the FASB issued Accounting Standards Update No. 2016-13, <font style="font-style:italic;">Financial Instruments—Credit Losses (Topic 326)</font>: Measurement of Credit Losses on Financial Instruments, which introduced an expected credit loss model for the impairment of financial assets measured at amortized cost basis. That model replaces the probable, incurred loss model for those assets. Through the amendments in that Update, the Board added Topic 326, <font style="font-style:italic;">Financial Instruments—Credit Losses</font>, and made several consequential amendments to the Codification.  The Board 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 create a significant administrative cost for most entities. The amendments in this Update are similar to those items. However, the Board decided to issue a separate Update for improvements to the amendments in Update 2016-13 to increase stakeholder awareness of those amendments and to expedite the improvement process. The amendments include items brought to the Board's attention by stakeholders.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this Update clarify or address stakeholders' specific issues about certain aspects of the amendments in Update 2016-13 as described below:</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. Expected Recoveries for Purchased Financial Assets with Credit Deterioration (PCDs):  The amendments clarify that the allowance for credit losses for PCD assets should include in the allowance for credit losses expected recoveries of amounts previously written off and expected to be written off by the entity and should not exceed the aggregate of amounts of the amortized cost basis previously written off and expected to be written off by an entity.  In addition, the amendments clarify that when a method other than a discounted cash flow method is used to estimate expected credit losses, expected recoveries should not include any amounts that result in an acceleration of the noncredit discount. An entity may include increases in expected cash flows after acquisition.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. Transition Relief for Troubled Debt Restructurings (TDRs):  The amendments provide transition relief by permitting entities an accounting policy election to adjust the effective interest rate on existing TDRs using prepayment assumptions on the date of adoption of Topic 326 rather than the prepayment assumptions in effect immediately before the restructuring.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3. Disclosures Related to Accrued Interest Receivables: The amendments extend the disclosure relief for accrued interest receivable balances to additional relevant disclosures involving amortized cost basis.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4. Financial Assets Secured by Collateral Maintenance Provisions: The amendments clarify that an entity should assess whether it reasonably expects the borrower will be able to continually replenish collateral securing the financial asset to apply the practical expedient.  The amendments clarify that an entity applying the practical expedient should estimate expected credit losses for any difference between the amount of the amortized cost basis that is greater than the fair value of the collateral securing the financial asset (that is, the unsecured portion of the amortized cost basis). An entity may determine that the expectation of nonpayment for the amount of the amortized cost basis equal to the fair value of the collateral securing the financial asset is zero.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5. Conforming Amendment to Subtopic 805-20: The amendment to Subtopic 805-20, <font style="font-style:italic;">Business Combinations—Identifiable Assets and Liabilities, and Any Noncontrolling Interest</font>, clarifies the guidance by removing the cross-reference to Subtopic 310-30 in paragraph 805-20-50-1 and replacing it with a cross-reference to the guidance on PCD assets in Subtopic 326-20.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">January 1, 2023 (early adoption permitted as of January 1, 2019).  The effective dates and transition requirements for the amendments are the same as the effective dates and transition requirements in Update 2016-13.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company is assessing the new guidance to determine what modifications to existing credit estimation processes may be required. The new guidance is complex and management is still evaluating the preliminary output from models that have been developed during this evaluative phase.    In addition, future levels of allowances will also reflect new requirements to include estimated credit losses on investment securities classified as held-to-maturity, if any.  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.  It has been generally assumed that the conversion from the incurred loss model, required under current GAAP, to the CECL methodology will, more likely than not, result in increases to the allowances for credit losses at many financial institutions.  However, 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. The amendments in this Update should be applied on a modified retrospective basis by means of a cumulative-effect adjustment to the opening retained earnings balance in the statement of financial position as of the date that an entity adopted the amendments in Update 2016-13.</p></td> </tr> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</p></td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Reference Rate Reform <font style="font-style:italic;">(ASU 2020-04- Facilitation of the Effects of Reference Rate Reform on Financial Reporting)</font></p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments provide optional expedients and exceptions for applying generally accepted accounting principles (GAAP) to contracts, hedging relationships, and other transactions affected by reference rate reform. The amendments apply only to contracts, hedging relationships, and other transactions that reference LIBOR or another reference rate expected to be discontinued because of reference rate reform. The amendments (1) apply to contract modifications that replace a reference rate affected by reference rate reform, (2) provide exceptions to existing guidance related to changes to the critical terms of a hedging relationship due to reference rate reform (3) provide optional expedients for fair value hedging relationships, cash flow hedging relationships, and net investment hedging relationships, and (4) provide a onetime election to sell, transfer, or both sell and transfer debt securities classified as held to maturity that reference a rate affected by reference rate reform and that are classified as held to maturity before January 1, 2020.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this Update are effective for all entities as of March 12, 2020 through December 31, 2022.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments for contract modifications can be elected to be applied as of any date from the beginning of an interim period that includes or is subsequent to March 12, 2020, or prospectively from a date within an interim period that includes or is subsequent to March 12, 2020. The amendments for existing hedging relationships can be elected to be applied as of the beginning of the interim period that includes March 12, 2020 and to new eligible hedging relationships entered into after the beginning of the interim period that includes March 12, 2020. The Company does not expect that the guidance will have a material effect on its consolidated statements of condition or income.</p></td> </tr> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</p></td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Debt <font style="font-style:italic;">(ASU 2020-06- Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging— Contracts in Entity's Own Equity (Subtopic 815-40)</font></p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments reduce the number of accounting models for convertible debt instruments and convertible preferred stock.  The amendments also reduce form-over-substance-based guidance for the derivatives scope exception for contacts in an entity’s own equity. For convertible instruments, embedded conversion features no longer are separated from the host contract for convertible instruments with conversion features that are not required to be accounted for as derivatives, or that do not result in substantial premiums accounted for as paid-in capital. Consequently, a convertible debt instrument will be accounted for as a single liability measured at its amortized cost and a convertible preferred stock will be accounted for as a single equity instrument measured at its historical cost, as long as no other features require bifurcation and recognition as derivatives. By removing those separation models, the interest rate of convertible debt instruments typically will be closer to the coupon interest rate on the instrument.  The amendments also require certain changes to EPS calculations for convertible instruments as well as additional disclosures relating to conditions that cause conversion features to be met.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For contracts in an entity’s own equity, the amendments  revise the derivatives scope exception guidance as follows:</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. Remove the settlement in unregistered shares, collateral, and shareholder rights conditions from the settlement guidance.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. Clarify that payment penalties for failure to timely file do not preclude equity classification.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3. Require instruments that are required to be classified as an asset or liability to be measured subsequently at fair value, with changes reported in earnings and disclosed in the financial statements. 4. Clarify that the scope of the disclosure requirements in the Contracts in an Entity’s Own Equity section of the Derivatives guidance applies only to freestanding instruments.</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5. Clarify that the scope of the reassessment guidance in the Contracts in an Entity’s Own Equity section of the Derivatives guidance applies to both freestanding instruments and embedded features.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this update are effective for public business entities, excluding entities eligible to be smaller reporting companies as defined by the SEC, for fiscal years beginning after December 15, 2021, including interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. Early adoption is permitted, but no earlier than fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. The Board specified that an entity should adopt the guidance as of the beginning of its annual fiscal year.</p></td> <td valign="bottom" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments can be applied either on a modified retrospective method of transition or a fully retrospective method of transition. In applying the modified retrospective method, the guidance should be applied to transactions outstanding as of the beginning of the fiscal year in which the amendments are adopted. Transactions that were settled (or expired) during prior reporting periods are unaffected. The cumulative effect of the change should be recognized as an adjustment to the opening balance of retained earnings at the date of adoption. If applying the fully retrospective method of transition, the cumulative effect of the change should be recognized as an adjustment to the opening balance of retained earnings in the first comparative period presented.  The fair value option is allowed to be irrevocably elected for any financial instrument that is a convertible security upon adoption of the amendments.  The Company has not yet determined which transition method will be applied to the extent that such transition adjustments are applicable.   The Company does not expect that the guidance will have a material effect on its consolidated statements of financial condition or income.</p></td> </tr> </table></div> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New (W1);font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><br /></p> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.18%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</p></td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Codification Improvements to Subtopic 310-20, Receivables—Nonrefundable Fees and Other Costs <font style="font-style:italic;">(ASU 2020-08)</font></p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments affect the guidance in Accounting Standards Update No. 2017-</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">08, Receivables—Nonrefundable Fees and Other Costs (Subtopic 310-20): <font style="font-style:italic;">Premium Amortization on Purchased Callable Debt Securities</font>. The amendments in that Update shortened the amortization period for certain purchased callable debt securities held at a premium by requiring that entities amortize the premium associated with those callable debt securities within the scope of paragraph 310-20-25-33 to the earliest call date. The Board noted in paragraph BC21 of Update 2017-08 that if the security contained additional future call dates, an entity should consider whether the amortized cost basis exceeded the amount repayable by the issuer at the next call date. If so, the excess should be amortized to the next call date.  The amendments in this ASU represent changes to clarify the Codification. The amendments make the Codification easier to understand and easier to apply by eliminating inconsistencies and providing clarifications.</p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For public business entities, the amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. Early application is not permitted.</p></td> <td valign="bottom" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.18%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">All entities should apply the amendments in this ASU on a prospective basis as of the beginning of the period of adoption for existing or newly purchased callable debt securities.  The Company does not expect this guidance to have a material effect on its consolidated statements of condition or income.</p></td> </tr> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date</p> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.18%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</p></td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Reference Rate Reform, Topic 848 <font style="font-style:italic;">(ASU 2021-01)</font></p></td> <td valign="bottom" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this ASU clarify that certain optional expedients and exceptions in Topic 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition.  Specifically, certain provisions in Topic 848, if elected by an entity, apply to derivative instruments that use an interest rate for margining, discounting, or contract price alignment that is modified as a result of reference rate reform. The amendments in this Update apply to all entities that elect to apply the optional guidance in Topic 848.</p></td> <td valign="bottom" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this ASU are effective immediately for all entities.</p></td> <td valign="bottom" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </p></td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.18%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">An entity may elect to apply the amendments in this ASU on a full retrospective basis as of any date from the beginning of an interim period that includes or is subsequent to March 12, 2020, or on a prospective basis to new modifications from any date within an interim period that includes or is subsequent to the date of the issuance of a final ASU, up to the date that financial statements are available to be issued.  If an entity elects to apply any of the amendments in this ASU for an eligible hedging relationship, any adjustments as a result of those elections must be reflected as of the date the entity applies the election. The amendments in this ASU do not apply to contract modifications made after December 31, 2022, new hedging relationships entered into after December 31, 2022, and existing hedging relationships evaluated for effectiveness in periods after December 31, 2022, except for hedging relationships existing as of December 31, 2022, that apply certain optional expedients in which the accounting effects are recorded through the end of the hedging relationship (including periods after December 31, 2022).  The Company does not expect that the guidance will have a material effect on its consolidated statements of condition or income.</p></td> </tr> </table></div> <p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:0%;font-family:Times New Roman;"> </p>
CY2020	us-gaap	Use Of Estimates UseOfEstimates	<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Use of Estimates in the Preparation of Consolidated Financial Statements</p> <p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;text-indent:0%;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The preparation of consolidated financial statements in accordance with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.  Management has identified the allowance for loan losses, deferred income taxes, pension obligations, the annual evaluation of the Company’s goodwill for possible impairment and the evaluation of investment securities for other than temporary impairment and the estimation of fair values for accounting and disclosure purposes to be the accounting areas that require the most subjective and complex judgments, and as such, could be the most subject to revision as new information becomes available.</p> <p style="text-align:justify;margin-top:12pt;margin-bottom:0pt;text-indent:0%;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company is subject to the regulations of various governmental agencies.  The Company also undergoes periodic examinations by the regulatory agencies which may subject it to further changes with respect to asset valuations, amounts of required loss allowances, and operating restrictions resulting from the regulators' judgments based on information available to them at the time of their examinations.</p>
CY2020	us-gaap	Concentration Risk Credit Risk ConcentrationRiskCreditRisk	<p style="text-align:justify;margin-top:18pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Significant Group Concentrations of Credit Risk</p> <p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;text-indent:0%;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Most of the Company’s activities are with customers located primarily in Oswego and Onondaga counties of New York State.  A large portion of the Company’s portfolio is centered in residential and commercial real estate.  The Company closely monitors real estate collateral values and requires additional reviews of commercial real estate appraisals by a qualified third party for commercial real estate loans in excess <font style="color:#000000;">of $400,000.</font><font style="color:#FF0000;">  </font><font style="font-family:Times New (W1);">All residential loan appraisals are reviewed by an individual or third party who is independent of the loan origination or approval process and was not involved in the approval of appraisers or selection of the appraiser for the transaction, and has no direct or indirect interest, financial or otherwise in the property or the transaction.  </font>Note 4 discusses the types of securities that the Company invests in.  Note 5 discusses the types of lending that the Company engages in.  The Company does not have any significant concentrations to any one industry or customer.</p>
CY2020	us-gaap	Prior Period Reclassification Adjustment Description PriorPeriodReclassificationAdjustmentDescription	<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Reclassifications</p> <p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;text-indent:0%;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Certain amounts in the 2019 consolidated financial statements have been reclassified to conform to the current year presentation.  These reclassifications had no effect on net income as previously reported.</p> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><br /></p>
CY2019Q2	pbhc	Net Proceeds From Issuance Of Private Placement NetProceedsFromIssuanceOfPrivatePlacement	19600000
CY2020Q4	pbhc	Number Of Wholly Owned Subsidiaries NumberOfWhollyOwnedSubsidiaries	2
CY2020Q4	pbhc	Consolidation Of Membership Interest In Subsidiary ConsolidationOfMembershipInterestInSubsidiary	1.00
CY2020Q4	pbhc	Number Of Offices Located In Oswego County NumberOfOfficesLocatedInOswegoCounty	7
CY2020Q4	pbhc	Number Of Offices Located In Onondaga County NumberOfOfficesLocatedInOnondagaCounty	3
CY2020Q4	pbhc	Number Of Loan Production Office Located In Oneida County NumberOfLoanProductionOfficeLocatedInOneidaCounty	1
CY2020Q4	pbhc	Minimum Commercial Real Estate Loans Amount Required For Additional Review MinimumCommercialRealEstateLoansAmountRequiredForAdditionalReview	400000
CY2020	pbhc	Advertising Contracts Maturity Description AdvertisingContractsMaturityDescription	Expenditures for new marketing and advertising material designs and/or media content, related to specifically-identifiable marketing campaigns are capitalized and expensed over the estimated life of the campaign. Such periods of time are generally 12-24 months in duration and do not exceed 36 months.
CY2020	pbhc	Maturity Period For Classification As Cash And Cash Equivalents Maximum MaturityPeriodForClassificationAsCashAndCashEquivalentsMaximum	P3M
CY2020Q4	pbhc	Maximum Percentage For Estimating Specific And General Losses MaximumPercentageForEstimatingSpecificAndGeneralLosses	0.10
CY2020Q4	pbhc	Individual Residential Mortgage Loans Threshold For Evaluations Of Impairment IndividualResidentialMortgageLoansThresholdForEvaluationsOfImpairment	300000
CY2020	pbhc	Consecutive Months Of Current Payments Before Non Accrual Troubled Debt Restructured Loans Are Restored To Accrual Status ConsecutiveMonthsOfCurrentPaymentsBeforeNonAccrualTroubledDebtRestructuredLoansAreRestoredToAccrualStatus	P6M
CY2020	us-gaap	Finite Lived Intangible Asset Useful Life FiniteLivedIntangibleAssetUsefulLife	P15Y
CY2020Q4	pbhc	Unrealized Loss And Transition Obligation For Pension And Other Postretirement Obligations UnrealizedLossAndTransitionObligationForPensionAndOtherPostretirementObligations	-2832000
CY2019Q4	pbhc	Unrealized Loss And Transition Obligation For Pension And Other Postretirement Obligations UnrealizedLossAndTransitionObligationForPensionAndOtherPostretirementObligations	-3677000
CY2020Q4	pbhc	Unrealized Loss And Transition Obligation For Pension And Other Postretirement Obligations Tax Effect UnrealizedLossAndTransitionObligationForPensionAndOtherPostretirementObligationsTaxEffect	-739000
CY2019Q4	pbhc	Unrealized Loss And Transition Obligation For Pension And Other Postretirement Obligations Tax Effect UnrealizedLossAndTransitionObligationForPensionAndOtherPostretirementObligationsTaxEffect	-960000
CY2020Q4	us-gaap	Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Net Of Tax AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax	2093000
CY2019Q4	us-gaap	Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Net Of Tax AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax	2717000
CY2020Q4	pbhc	Unrealized Gains Available For Sale Securities UnrealizedGainsAvailableForSaleSecurities	1133000
CY2019Q4	pbhc	Unrealized Gains Available For Sale Securities UnrealizedGainsAvailableForSaleSecurities	-293000
CY2020Q4	pbhc	Unrealized Gains On Available For Sale Securities Tax Effect UnrealizedGainsOnAvailableForSaleSecuritiesTaxEffect	-296000
CY2019Q4	pbhc	Unrealized Gains On Available For Sale Securities Tax Effect UnrealizedGainsOnAvailableForSaleSecuritiesTaxEffect	77000
CY2020Q4	us-gaap	Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax	837000
CY2019Q4	us-gaap	Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax	-216000
CY2020Q4	pbhc	Unrealized Holding Losses On Hedging Activities During Period UnrealizedHoldingLossesOnHedgingActivitiesDuringPeriod	-1308000
CY2020Q4	pbhc	Unrealized Holding Losses On Hedging Activities Tax Effect UnrealizedHoldingLossesOnHedgingActivitiesTaxEffect	342000
CY2020Q4	pbhc	Net Unrealized Loss On Hedging Activities NetUnrealizedLossOnHedgingActivities	-966000
CY2020Q4	pbhc	Unrealized Loss On Securities Transferred To Held To Maturity UnrealizedLossOnSecuritiesTransferredToHeldToMaturity	-22000
CY2019Q4	pbhc	Unrealized Loss On Securities Transferred To Held To Maturity UnrealizedLossOnSecuritiesTransferredToHeldToMaturity	-54000
CY2020Q4	pbhc	Unrealized Loss On Securities Transferred To Held To Maturity Tax Effect UnrealizedLossOnSecuritiesTransferredToHeldToMaturityTaxEffect	8000
CY2019Q4	pbhc	Unrealized Loss On Securities Transferred To Held To Maturity Tax Effect UnrealizedLossOnSecuritiesTransferredToHeldToMaturityTaxEffect	16000
CY2020Q4	pbhc	Other Comprehensive Income Reclassification Adjustment For Held To Maturity Transferred To Available For Sale Securities Net Of Taxes OtherComprehensiveIncomeReclassificationAdjustmentForHeldToMaturityTransferredToAvailableForSaleSecuritiesNetOfTaxes	-14000
CY2019Q4	pbhc	Other Comprehensive Income Reclassification Adjustment For Held To Maturity Transferred To Available For Sale Securities Net Of Taxes OtherComprehensiveIncomeReclassificationAdjustmentForHeldToMaturityTransferredToAvailableForSaleSecuritiesNetOfTaxes	-38000
CY2020	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	4608000
CY2019	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	4464000
CY2020	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	4608000
CY2019	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	4464000
CY2020Q4	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	126922000
CY2020Q4	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	1752000
CY2020Q4	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	619000
CY2020Q4	us-gaap	Available For Sale Securities Debt Securities AvailableForSaleSecuritiesDebtSecurities	128055000
CY2020Q4	us-gaap	Equity Securities Fv Ni Cost EquitySecuritiesFvNiCost	206000
CY2020Q4	pbhc	Equity Securities Available For Sale Accumulated Gross Unrealized Gain Before Tax EquitySecuritiesAvailableForSaleAccumulatedGrossUnrealizedGainBeforeTax	0
CY2020Q4	pbhc	Equity Securities Available For Sale Accumulated Gross Unrealized Loss Before Tax EquitySecuritiesAvailableForSaleAccumulatedGrossUnrealizedLossBeforeTax	0
CY2020Q4	us-gaap	Equity Securities Fv Ni EquitySecuritiesFvNi	206000
CY2020Q4	pbhc	Available For Sale Debt And Equity Securities Amortized Cost AvailableForSaleDebtAndEquitySecuritiesAmortizedCost	127128000
CY2020Q4	pbhc	Available For Sale Debt And Equity Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleDebtAndEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax	1752000
CY2020Q4	pbhc	Available For Sale Debt And Equity Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleDebtAndEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax	619000
CY2020Q4	us-gaap	Held To Maturity Securities Accumulated Unrecognized Holding Gain HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain	4074000
CY2020Q4	us-gaap	Held To Maturity Securities Accumulated Unrecognized Holding Loss HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss	363000
CY2019Q4	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	111221000
CY2019Q4	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	480000
CY2019Q4	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	773000
CY2019Q4	us-gaap	Available For Sale Securities Debt Securities AvailableForSaleSecuritiesDebtSecurities	110928000
CY2019Q4	us-gaap	Equity Securities Fv Ni Cost EquitySecuritiesFvNiCost	206000
CY2019Q4	pbhc	Equity Securities Available For Sale Accumulated Gross Unrealized Gain Before Tax EquitySecuritiesAvailableForSaleAccumulatedGrossUnrealizedGainBeforeTax	0
CY2019Q4	pbhc	Equity Securities Available For Sale Accumulated Gross Unrealized Loss Before Tax EquitySecuritiesAvailableForSaleAccumulatedGrossUnrealizedLossBeforeTax	0
CY2019Q4	us-gaap	Equity Securities Fv Ni EquitySecuritiesFvNi	206000
CY2019Q4	pbhc	Available For Sale Debt And Equity Securities Amortized Cost AvailableForSaleDebtAndEquitySecuritiesAmortizedCost	111427000
CY2019Q4	pbhc	Available For Sale Debt And Equity Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleDebtAndEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax	480000
CY2019Q4	pbhc	Available For Sale Debt And Equity Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleDebtAndEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax	773000
CY2019Q4	us-gaap	Held To Maturity Securities Accumulated Unrecognized Holding Gain HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain	1393000
CY2019Q4	us-gaap	Held To Maturity Securities Accumulated Unrecognized Holding Loss HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss	233000
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost	530000
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost	8875000
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost	13116000
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost	28107000
CY2020Q4	pbhc	Aggregate Of Available For Sale Securities Debt Maturities Amortized Cost Basis AggregateOfAvailableForSaleSecuritiesDebtMaturitiesAmortizedCostBasis	50628000
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Fair Value AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue	531000
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	9086000
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	13197000
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue	28630000
CY2020Q4	pbhc	Aggregate Of Available For Sale Securities Debt Maturities Fair Value AggregateOfAvailableForSaleSecuritiesDebtMaturitiesFairValue	51444000
CY2020Q4	pbhc	Available For Sale Securities Debt Maturities Fair Value Net AvailableForSaleSecuritiesDebtMaturitiesFairValueNet	128055000
CY2020Q4	us-gaap	Held To Maturity Securities Debt Maturities Within One Year Net Carrying Amount HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount	1672000
CY2019Q4	us-gaap	Loans And Leases Receivable Deferred Income LoansAndLeasesReceivableDeferredIncome	-110000
CY2020Q4	us-gaap	Loans And Leases Receivable Deferred Income LoansAndLeasesReceivableDeferredIncome	1238000
CY2020Q4	us-gaap	Financing Receivable Recorded Investment Past Due FinancingReceivableRecordedInvestmentPastDue	15320000
CY2020Q4	us-gaap	Financing Receivable Recorded Investment Current FinancingReceivableRecordedInvestmentCurrent	811413000
CY2019Q4	us-gaap	Financing Receivable Recorded Investment Past Due FinancingReceivableRecordedInvestmentPastDue	16299000
CY2019Q4	us-gaap	Financing Receivable Recorded Investment Current FinancingReceivableRecordedInvestmentCurrent	765042000
CY2020Q4	us-gaap	Financing Receivable Recorded Investment Nonaccrual Status FinancingReceivableRecordedInvestmentNonaccrualStatus	21333000
CY2019Q4	us-gaap	Financing Receivable Recorded Investment Nonaccrual Status FinancingReceivableRecordedInvestmentNonaccrualStatus	5246000
CY2020Q4	us-gaap	Financing Receivable Recorded Investment90 Days Past Due And Still Accruing FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing	0
CY2019Q4	us-gaap	Financing Receivable Recorded Investment90 Days Past Due And Still Accruing FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing	0
CY2020Q4	us-gaap	Impaired Financing Receivable Recorded Investment ImpairedFinancingReceivableRecordedInvestment	22830000
CY2020Q4	us-gaap	Impaired Financing Receivable Unpaid Principal Balance ImpairedFinancingReceivableUnpaidPrincipalBalance	22931000
CY2020Q4	us-gaap	Impaired Financing Receivable Related Allowance ImpairedFinancingReceivableRelatedAllowance	2781000
CY2019Q4	us-gaap	Impaired Financing Receivable Recorded Investment ImpairedFinancingReceivableRecordedInvestment	7487000
CY2020Q4	pbhc	Held To Maturity Number Of Securities In Unrealized Loss Positions Twelve Months Or More HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositionsTwelveMonthsOrMore	4
CY2020Q4	us-gaap	Held To Maturity Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	146000
CY2020Q4	pbhc	Aggregate Of Held To Maturity Securities Debt Maturities Fair Value AggregateOfHeldToMaturitySecuritiesDebtMaturitiesFairValue	73943000
CY2020Q4	us-gaap	Held To Maturity Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue	5463000
CY2020Q4	pbhc	Held To Maturity Number Of Securities In Unrealized Loss Positions HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositions	20
CY2020Q4	us-gaap	Held To Maturity Securities Continuous Unrealized Loss Position Accumulated Loss HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss	363000
CY2020Q4	us-gaap	Held To Maturity Securities Debt Maturities After Five Through Ten Years Fair Value HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	30248000
CY2020Q4	us-gaap	Held To Maturity Securities Debt Maturities After Ten Years Fair Value HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue	23630000
CY2020Q4	us-gaap	Held To Maturity Securities Continuous Unrealized Loss Position Fair Value HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue	28448000
CY2019Q4	pbhc	Held To Maturity Number Of Securities In Unrealized Loss Positions Less Than Twelve Months HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositionsLessThanTwelveMonths	17
CY2020Q4	us-gaap	Held To Maturity Securities Debt Maturities After One Through Five Years Net Carrying Amount HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount	17639000
CY2020Q4	us-gaap	Held To Maturity Securities Debt Maturities After Five Through Ten Years Net Carrying Amount HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount	29619000
CY2020Q4	us-gaap	Held To Maturity Securities Debt Maturities After Ten Years Net Carrying Amount HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount	23407000
CY2020Q4	pbhc	Aggregate Of Held To Maturity Securities Debt Maturities Carrying Amount AggregateOfHeldToMaturitySecuritiesDebtMaturitiesCarryingAmount	72337000
CY2020Q4	us-gaap	Held To Maturity Securities Debt Maturities Within One Year Fair Value HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue	1680000
CY2020Q4	us-gaap	Held To Maturity Securities Debt Maturities After One Through Five Years Fair Value HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	18385000
CY2020Q4	pbhc	Held To Maturity Number Of Securities In Unrealized Loss Positions Less Than Twelve Months HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositionsLessThanTwelveMonths	16
CY2020Q4	us-gaap	Held To Maturity Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	217000
CY2020Q4	us-gaap	Held To Maturity Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue	22985000

CY2020

dei

Document Fiscal Period Focus

DocumentFiscalPeriodFocus

FY

CY2020Q2

dei

Entity Public Float

EntityPublicFloat

32200000

CY2021Q1

dei

Entity Common Stock Shares Outstanding

EntityCommonStockSharesOutstanding

4540520

CY2020

dei

Entity Small Business

EntitySmallBusiness

true

CY2020

dei

Entity Emerging Growth Company

EntityEmergingGrowthCompany

false

CY2020

dei

Entity File Number

EntityFileNumber

001-36695

CY2020

dei

Entity Incorporation State Country Code

EntityIncorporationStateCountryCode

MD

CY2020

dei

Entity Tax Identification Number

EntityTaxIdentificationNumber

38-3941859

CY2020

dei

Entity Address Address Line1

EntityAddressAddressLine1

214 West First Street

CY2020

dei

Entity Address City Or Town

EntityAddressCityOrTown

Oswego

CY2020

dei

Entity Filer Category

EntityFilerCategory

Non-accelerated Filer

CY2020

dei

Entity Voluntary Filers

EntityVoluntaryFilers

No

CY2020

dei

Entity Interactive Data Current

EntityInteractiveDataCurrent

Yes

CY2020

dei

Entity Registrant Name

EntityRegistrantName

PATHFINDER BANCORP, INC.

CY2020

dei

Current Fiscal Year End Date

CurrentFiscalYearEndDate

--12-31

CY2020

dei

Entity Well Known Seasoned Issuer

EntityWellKnownSeasonedIssuer

No

CY2020

dei

Entity Current Reporting Status

EntityCurrentReportingStatus

Yes

CY2020

us-gaap

Interest Income Securities Taxable

InterestIncomeSecuritiesTaxable

6524000

CY2020

us-gaap

Interest Income Securities Tax Exempt

InterestIncomeSecuritiesTaxExempt

159000

CY2019

us-gaap

Dividend Income Operating

DividendIncomeOperating

279000

CY2019

us-gaap

Interest And Dividend Income Operating

InterestAndDividendIncomeOperating

41758000

CY2020

dei

Entity Central Index Key

EntityCentralIndexKey

0001609065

CY2020

dei

Document Fiscal Year Focus

DocumentFiscalYearFocus

2020

CY2019

us-gaap

Interest Income Securities Tax Exempt

InterestIncomeSecuritiesTaxExempt

178000

CY2019

us-gaap

Interest Income Federal Funds Sold

InterestIncomeFederalFundsSold

304000

CY2019

us-gaap

Noninterest Income

NoninterestIncome

4917000

CY2020

dei

Document Type

DocumentType

10-K

CY2020

dei

Amendment Flag

AmendmentFlag

false

CY2020

dei

Document Period End Date

DocumentPeriodEndDate

2020-12-31

CY2020

us-gaap

Interest And Fee Income Loans And Leases

InterestAndFeeIncomeLoansAndLeases

35421000

CY2019

us-gaap

Interest And Fee Income Loans And Leases

InterestAndFeeIncomeLoansAndLeases

34035000

CY2019

us-gaap

Interest Income Securities Taxable

InterestIncomeSecuritiesTaxable

6962000

CY2020

dei

Entity Shell Company

EntityShellCompany

false

CY2018Q4

us-gaap

Stockholders Equity Including Portion Attributable To Noncontrolling Interest

StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest

64459000

CY2020

dei

Entity Address Postal Zip Code

EntityAddressPostalZipCode

13126

CY2020

dei

City Area Code

CityAreaCode

315

CY2020

dei

Local Phone Number

LocalPhoneNumber

343-0057

CY2020

dei

Document Annual Report

DocumentAnnualReport

true

CY2020

dei

Document Transition Report

DocumentTransitionReport

false

CY2020Q4

us-gaap

Cash And Due From Banks

CashAndDueFromBanks

14906000

CY2020Q4

us-gaap

Interest Bearing Deposits In Banks

InterestBearingDepositsInBanks

28558000

CY2020Q4

us-gaap

Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents

CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents

43464000

CY2020Q4

pbhc

Available For Sale Debt And Equity Securities

AvailableForSaleDebtAndEquitySecurities

128261000

CY2020Q4

us-gaap

Held To Maturity Securities

HeldToMaturitySecurities

171224000

CY2020Q4

us-gaap

Marketable Securities

MarketableSecurities

1850000

CY2020Q4

us-gaap

Federal Home Loan Bank Stock

FederalHomeLoanBankStock

4390000

CY2020Q4

us-gaap

Loans And Leases Receivable Net Of Deferred Income

LoansAndLeasesReceivableNetOfDeferredIncome

823969000

CY2020

us-gaap

Interest Expense Short Term Borrowings

InterestExpenseShortTermBorrowings

148000

CY2019

us-gaap

Interest Expense Short Term Borrowings

InterestExpenseShortTermBorrowings

377000

CY2020

us-gaap

Interest Expense Long Term Debt

InterestExpenseLongTermDebt

1503000

CY2020

us-gaap

Noninterest Income

NoninterestIncome

6485000

CY2020

us-gaap

Salaries And Wages

SalariesAndWages

13468000

CY2019

us-gaap

Professional Fees

ProfessionalFees

1325000

CY2019

us-gaap

Interest Expense Deposits

InterestExpenseDeposits

10713000

CY2019

us-gaap

Interest Expense Long Term Debt

InterestExpenseLongTermDebt

1575000

CY2019

us-gaap

Interest Expense Debt

InterestExpenseDebt

863000

CY2019

us-gaap

Interest Expense

InterestExpense

13528000

CY2019

us-gaap

Interest Income Expense Net

InterestIncomeExpenseNet

28230000

CY2019

us-gaap

Provision For Loan And Lease Losses

ProvisionForLoanAndLeaseLosses

1966000

CY2019

us-gaap

Interest Income Expense After Provision For Loan Loss

InterestIncomeExpenseAfterProvisionForLoanLoss

26264000

CY2019

us-gaap

Bank Owned Life Insurance Income

BankOwnedLifeInsuranceIncome

462000

CY2019

us-gaap

Gain Loss On Sale Of Investments

GainLossOnSaleOfInvestments

329000

CY2019

us-gaap

Equity Securities Fv Ni Gain Loss

EquitySecuritiesFvNiGainLoss

81000

CY2019

pbhc

Net Gains Losses On Sales Of Loans And Foreclosed Real Estate

NetGainsLossesOnSalesOfLoansAndForeclosedRealEstate

64000

CY2019

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Insurance Services Revenue

InsuranceServicesRevenue

844000

CY2019

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Salaries And Wages

SalariesAndWages

13660000

CY2019

us-gaap

Advertising Expense

AdvertisingExpense

962000

CY2019

us-gaap

Federal Deposit Insurance Corporation Premium Expense

FederalDepositInsuranceCorporationPremiumExpense

421000

CY2019

us-gaap

General And Administrative Expense

GeneralAndAdministrativeExpense

427000

CY2019

us-gaap

General Insurance Expense

GeneralInsuranceExpense

816000

CY2019

pbhc

Community Service Activities

CommunityServiceActivities

620000

CY2019

us-gaap

Foreclosed Real Estate Expense

ForeclosedRealEstateExpense

337000

CY2019

us-gaap

Other Noninterest Expense

OtherNoninterestExpense

2149000

CY2019

us-gaap

Noninterest Expense

NoninterestExpense

25730000

CY2019

us-gaap

Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest

IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

5451000

CY2019

us-gaap

Income Tax Expense Benefit

IncomeTaxExpenseBenefit

1165000

CY2019

us-gaap

Profit Loss

ProfitLoss

4286000

CY2019

us-gaap

Net Income Loss Attributable To Noncontrolling Interest

NetIncomeLossAttributableToNoncontrollingInterest

10000

CY2019

us-gaap

Net Income Loss

NetIncomeLoss

4276000

CY2020

pbhc

Warrant Dividends Income Statement Impact

WarrantDividendsIncomeStatementImpact

30000

CY2020

dei

Entity Address State Or Province

EntityAddressStateOrProvince

NY

CY2020

dei

Icfr Auditor Attestation Flag

IcfrAuditorAttestationFlag

false

CY2020

dei

Security12b Title

Security12bTitle

Common Stock, $0.01 par value

CY2020

dei

Trading Symbol

TradingSymbol

PBHC

CY2020

dei

Security Exchange Name

SecurityExchangeName

NASDAQ

CY2019Q4

us-gaap

Cash And Due From Banks

CashAndDueFromBanks

8284000

CY2019Q4

us-gaap

Interest Bearing Deposits In Banks

InterestBearingDepositsInBanks

11876000

CY2019Q4

us-gaap

Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents

CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents

20160000

CY2019Q4

pbhc

Available For Sale Debt And Equity Securities

AvailableForSaleDebtAndEquitySecurities

111134000

CY2019Q4

us-gaap

Held To Maturity Securities

HeldToMaturitySecurities

122988000

CY2019Q4

us-gaap

Marketable Securities

MarketableSecurities

534000

CY2019Q4

us-gaap

Federal Home Loan Bank Stock

FederalHomeLoanBankStock

4834000

CY2019Q4

us-gaap

Loans And Leases Receivable Net Of Deferred Income

LoansAndLeasesReceivableNetOfDeferredIncome

745516000

CY2020Q4

us-gaap

Loans Receivable Held For Sale Amount

LoansReceivableHeldForSaleAmount

1526000

CY2019Q4

us-gaap

Loans Receivable Held For Sale Amount

LoansReceivableHeldForSaleAmount

35935000

CY2020Q4

us-gaap

Loans And Leases Receivable Allowance

LoansAndLeasesReceivableAllowance

12777000

CY2019Q4

us-gaap

Loans And Leases Receivable Allowance

LoansAndLeasesReceivableAllowance

8669000

CY2020Q4

us-gaap

Notes Receivable Net

NotesReceivableNet

812718000

CY2019Q4

us-gaap

Notes Receivable Net

NotesReceivableNet

772782000

CY2020Q4

us-gaap

Property Plant And Equipment Net

PropertyPlantAndEquipmentNet

22264000

CY2019Q4

us-gaap

Property Plant And Equipment Net

PropertyPlantAndEquipmentNet

22699000

CY2020Q4

us-gaap

Operating Lease Right Of Use Asset

OperatingLeaseRightOfUseAsset

2240000

CY2019Q4

us-gaap

Operating Lease Right Of Use Asset

OperatingLeaseRightOfUseAsset

2386000

CY2020Q4

us-gaap

Interest Receivable Current

InterestReceivableCurrent

4549000

CY2019Q4

us-gaap

Interest Receivable Current

InterestReceivableCurrent

3712000

CY2019Q4

us-gaap

Foreclosed Assets

ForeclosedAssets

88000

CY2020Q4

us-gaap

Intangible Assets Net Excluding Goodwill

IntangibleAssetsNetExcludingGoodwill

133000

CY2019Q4

us-gaap

Intangible Assets Net Excluding Goodwill

IntangibleAssetsNetExcludingGoodwill

149000

CY2020Q4

us-gaap

Goodwill

4536000

CY2019Q4

us-gaap

Goodwill

4536000

CY2020Q4

us-gaap

Bank Owned Life Insurance

BankOwnedLifeInsurance

17864000

CY2019Q4

us-gaap

Bank Owned Life Insurance

BankOwnedLifeInsurance

17403000

CY2020Q4

us-gaap

Other Assets

OtherAssets

13950000

CY2019Q4

us-gaap

Other Assets

OtherAssets

10402000

CY2020Q4

us-gaap

Assets

1227443000

CY2019Q4

us-gaap

Assets

1093807000

CY2020Q4

us-gaap

Interest Bearing Deposit Liabilities

InterestBearingDepositLiabilities

833850000

CY2019Q4

us-gaap

Interest Bearing Deposit Liabilities

InterestBearingDepositLiabilities

774392000

CY2020Q4

us-gaap

Noninterest Bearing Deposit Liabilities

NoninterestBearingDepositLiabilities

162057000

CY2019Q4

us-gaap

Noninterest Bearing Deposit Liabilities

NoninterestBearingDepositLiabilities

107501000

CY2020Q4

us-gaap

Deposits

995907000

CY2019Q4

us-gaap

Deposits

881893000

CY2020Q4

us-gaap

Short Term Borrowings

ShortTermBorrowings

4020000

CY2019Q4

us-gaap

Short Term Borrowings

ShortTermBorrowings

25138000

CY2020Q4

us-gaap

Long Term Debt Noncurrent

LongTermDebtNoncurrent

78030000

CY2019Q4

us-gaap

Long Term Debt Noncurrent

LongTermDebtNoncurrent

67987000

CY2020Q4

us-gaap

Junior Subordinated Debenture Owed To Unconsolidated Subsidiary Trust

JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust

39400000

CY2019Q4

us-gaap

Junior Subordinated Debenture Owed To Unconsolidated Subsidiary Trust

JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust

15128000

CY2020Q4

us-gaap

Interest Payable Current And Noncurrent

InterestPayableCurrentAndNoncurrent

193000

CY2019Q4

us-gaap

Interest Payable Current And Noncurrent

InterestPayableCurrentAndNoncurrent

396000

CY2020Q4

us-gaap

Operating Lease Liability

OperatingLeaseLiability

2525000

CY2019Q4

us-gaap

Operating Lease Liability

OperatingLeaseLiability

2650000

CY2020Q4

us-gaap

Other Liabilities

OtherLiabilities

9646000

CY2019

us-gaap

Proceeds From Payments To Minority Shareholders

ProceedsFromPaymentsToMinorityShareholders

-3000

CY2019Q4

us-gaap

Other Liabilities

OtherLiabilities

9946000

CY2020Q4

us-gaap

Liabilities

1129721000

CY2019Q4

us-gaap

Liabilities

1003138000

CY2020Q4

us-gaap

Preferred Stock Value

PreferredStockValue

14000

CY2019Q4

us-gaap

Preferred Stock Value

PreferredStockValue

12000

CY2020

us-gaap

Interest Income Federal Funds Sold

InterestIncomeFederalFundsSold

79000

CY2020

us-gaap

Interest And Dividend Income Operating

InterestAndDividendIncomeOperating

42507000

CY2019Q4

us-gaap

Restricted Cash And Cash Equivalents

RestrictedCashAndCashEquivalents

0

CY2020Q4

us-gaap

Restricted Cash

RestrictedCash

0

CY2019Q4

us-gaap

Restricted Cash

RestrictedCash

0

CY2020Q4

us-gaap

Held To Maturity Securities Fair Value

HeldToMaturitySecuritiesFairValue

174935000

CY2019Q4

us-gaap

Held To Maturity Securities Fair Value

HeldToMaturitySecuritiesFairValue

124148000

CY2020Q4

us-gaap

Preferred Stock Par Or Stated Value Per Share

PreferredStockParOrStatedValuePerShare

0.01

CY2019Q4

us-gaap

Preferred Stock Par Or Stated Value Per Share

PreferredStockParOrStatedValuePerShare

0.01

CY2020Q4

us-gaap

Preferred Stock Liquidation Preference Value

PreferredStockLiquidationPreferenceValue

0

CY2019Q4

us-gaap

Preferred Stock Liquidation Preference Value

PreferredStockLiquidationPreferenceValue

0

CY2020Q4

us-gaap

Preferred Stock Shares Authorized

PreferredStockSharesAuthorized

10000000

CY2019Q4

us-gaap

Preferred Stock Shares Authorized

PreferredStockSharesAuthorized

10000000

CY2020Q4

us-gaap

Common Stock Value

CommonStockValue

45000

CY2019Q4

us-gaap

Common Stock Value

CommonStockValue

47000

CY2020Q4

us-gaap

Additional Paid In Capital

AdditionalPaidInCapital

50024000

CY2019Q4

us-gaap

Additional Paid In Capital

AdditionalPaidInCapital

49362000

CY2020Q4

us-gaap

Retained Earnings Accumulated Deficit

RetainedEarningsAccumulatedDeficit

50284000

CY2019Q4

us-gaap

Retained Earnings Accumulated Deficit

RetainedEarningsAccumulatedDeficit

44839000

CY2020Q4

us-gaap

Accumulated Other Comprehensive Income Loss Net Of Tax

AccumulatedOtherComprehensiveIncomeLossNetOfTax

-2236000

CY2019Q4

us-gaap

Accumulated Other Comprehensive Income Loss Net Of Tax

AccumulatedOtherComprehensiveIncomeLossNetOfTax

-2971000

CY2020Q4

us-gaap

Unearned Esop Shares

UnearnedESOPShares

675000

CY2019Q4

us-gaap

Unearned Esop Shares

UnearnedESOPShares

855000

CY2020Q4

us-gaap

Stockholders Equity

StockholdersEquity

97456000

CY2019Q4

us-gaap

Stockholders Equity

StockholdersEquity

90434000

CY2020Q4

us-gaap

Minority Interest

MinorityInterest

266000

CY2019Q4

us-gaap

Minority Interest

MinorityInterest

235000

CY2020Q4

us-gaap

Stockholders Equity Including Portion Attributable To Noncontrolling Interest

StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest

97722000

CY2019Q4

us-gaap

Stockholders Equity Including Portion Attributable To Noncontrolling Interest

StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest

90669000

CY2020Q4

us-gaap

Liabilities And Stockholders Equity

LiabilitiesAndStockholdersEquity

1227443000

CY2019Q4

us-gaap

Liabilities And Stockholders Equity

LiabilitiesAndStockholdersEquity

1093807000

CY2020Q4

us-gaap

Restricted Cash And Cash Equivalents

RestrictedCashAndCashEquivalents

1600000

CY2020Q4

us-gaap

Preferred Stock Shares Issued

PreferredStockSharesIssued

1380283

CY2019Q4

us-gaap

Preferred Stock Shares Issued

PreferredStockSharesIssued

1155283

CY2020Q4

us-gaap

Preferred Stock Shares Outstanding

PreferredStockSharesOutstanding

1380283

CY2019Q4

us-gaap

Preferred Stock Shares Outstanding

PreferredStockSharesOutstanding

1155283

CY2020Q4

us-gaap

Common Stock Par Or Stated Value Per Share

CommonStockParOrStatedValuePerShare

0.01

CY2019Q4

us-gaap

Common Stock Par Or Stated Value Per Share

CommonStockParOrStatedValuePerShare

0.01

CY2020Q4

us-gaap

Common Stock Shares Authorized

CommonStockSharesAuthorized

25000000

CY2019Q4

us-gaap

Common Stock Shares Authorized

CommonStockSharesAuthorized

25000000

CY2020Q4

us-gaap

Common Stock Shares Issued

CommonStockSharesIssued

4531383

CY2019Q4

us-gaap

Common Stock Shares Issued

CommonStockSharesIssued

4709238

CY2020Q4

us-gaap

Common Stock Shares Outstanding

CommonStockSharesOutstanding

4531383

CY2019Q4

us-gaap

Common Stock Shares Outstanding

CommonStockSharesOutstanding

4709238

CY2020

us-gaap

Dividend Income Operating

DividendIncomeOperating

324000

CY2020

us-gaap

Interest Expense Deposits

InterestExpenseDeposits

8112000

CY2020

us-gaap

Interest Expense Debt

InterestExpenseDebt

1101000

CY2020

us-gaap

Interest Expense

InterestExpense

10864000

CY2020

us-gaap

Interest Income Expense Net

InterestIncomeExpenseNet

31643000

CY2020

us-gaap

Provision For Loan And Lease Losses

ProvisionForLoanAndLeaseLosses

4707000

CY2020

us-gaap

Interest Income Expense After Provision For Loan Loss

InterestIncomeExpenseAfterProvisionForLoanLoss

26936000

CY2020

us-gaap

Bank Owned Life Insurance Income

BankOwnedLifeInsuranceIncome

460000

CY2020

us-gaap

Gain Loss On Sale Of Investments

GainLossOnSaleOfInvestments

1076000

CY2020

us-gaap

Equity Securities Fv Ni Gain Loss

EquitySecuritiesFvNiGainLoss

-629000

CY2020

pbhc

Net Gains Losses On Sales Of Loans And Foreclosed Real Estate

NetGainsLossesOnSalesOfLoansAndForeclosedRealEstate

1179000

CY2020

us-gaap

Insurance Services Revenue

InsuranceServicesRevenue

955000

CY2019

us-gaap

Net Income Loss Available To Common Stockholders Basic

NetIncomeLossAvailableToCommonStockholdersBasic

3578000

CY2020

us-gaap

Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax

OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax

-844000

CY2019

us-gaap

Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax

OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax

-590000

CY2020

us-gaap

Professional Fees

ProfessionalFees

1210000

CY2020

us-gaap

Advertising Expense

AdvertisingExpense

941000

CY2020

us-gaap

Federal Deposit Insurance Corporation Premium Expense

FederalDepositInsuranceCorporationPremiumExpense

699000

CY2020

us-gaap

General And Administrative Expense

GeneralAndAdministrativeExpense

507000

CY2020

us-gaap

General Insurance Expense

GeneralInsuranceExpense

743000

CY2020

pbhc

Community Service Activities

CommunityServiceActivities

199000

CY2020

us-gaap

Foreclosed Real Estate Expense

ForeclosedRealEstateExpense

50000

CY2020

us-gaap

Other Noninterest Expense

OtherNoninterestExpense

1854000

CY2020

us-gaap

Noninterest Expense

NoninterestExpense

25080000

CY2020

us-gaap

Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest

IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

8341000

CY2020

us-gaap

Income Tax Expense Benefit

IncomeTaxExpenseBenefit

1295000

CY2020

us-gaap

Profit Loss

ProfitLoss

7046000

CY2020

us-gaap

Net Income Loss Attributable To Noncontrolling Interest

NetIncomeLossAttributableToNoncontrollingInterest

96000

CY2020

us-gaap

Net Income Loss

NetIncomeLoss

6950000

CY2020

us-gaap

Preferred Stock Dividends Income Statement Impact

PreferredStockDividendsIncomeStatementImpact

291000

CY2019

us-gaap

Preferred Stock Dividends Income Statement Impact

PreferredStockDividendsIncomeStatementImpact

208000

CY2019

pbhc

Warrant Dividends Income Statement Impact

WarrantDividendsIncomeStatementImpact

23000

CY2020

us-gaap

Undistributed Earnings Loss Allocated To Participating Securities Basic

UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic

1224000

CY2019

us-gaap

Undistributed Earnings Loss Allocated To Participating Securities Basic

UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic

467000

CY2020

us-gaap

Net Income Loss Available To Common Stockholders Basic

NetIncomeLossAvailableToCommonStockholdersBasic

5405000

CY2020

us-gaap

Earnings Per Share Basic

EarningsPerShareBasic

1.17

CY2019

us-gaap

Earnings Per Share Basic

EarningsPerShareBasic

0.80

CY2020

us-gaap

Earnings Per Share Diluted

EarningsPerShareDiluted

1.17

CY2019

us-gaap

Earnings Per Share Diluted

EarningsPerShareDiluted

0.80

CY2020

us-gaap

Common Stock Dividends Per Share Declared

CommonStockDividendsPerShareDeclared

0.24

CY2019

us-gaap

Common Stock Dividends Per Share Declared

CommonStockDividendsPerShareDeclared

0.24

CY2020

us-gaap

Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Net Unamortized Gain Loss Arising During Period Before Tax

OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax

234000

CY2019

us-gaap

Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Net Unamortized Gain Loss Arising During Period Before Tax

OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax

335000

CY2020

us-gaap

Other Comprehensive Income Loss Finalization Of Pension And Non Pension Postretirement Plan Valuation Before Tax

OtherComprehensiveIncomeLossFinalizationOfPensionAndNonPensionPostretirementPlanValuationBeforeTax

610000

CY2019

us-gaap

Other Comprehensive Income Loss Finalization Of Pension And Non Pension Postretirement Plan Valuation Before Tax

OtherComprehensiveIncomeLossFinalizationOfPensionAndNonPensionPostretirementPlanValuationBeforeTax

255000

CY2020

us-gaap

Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax

OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax

2352000

CY2019

us-gaap

Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax

OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax

3869000

CY2020

us-gaap

Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax

OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax

926000

CY2019

us-gaap

Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax

OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax

329000

CY2020

us-gaap

Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Tax

OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax

1426000

CY2019

us-gaap

Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Tax

OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax

3540000

CY2020

pbhc

Unrealized Holding Losses Arising During The Period

UnrealizedHoldingLossesArisingDuringThePeriod

1308000

CY2020

us-gaap

Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification Before Tax

OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax

-1308000

CY2020

pbhc

Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Before Tax

OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodBeforeTax

33000

CY2019

pbhc

Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Before Tax

OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodBeforeTax

27000

CY2020

us-gaap

Other Comprehensive Income Loss Before Tax

OtherComprehensiveIncomeLossBeforeTax

995000

CY2019

us-gaap

Other Comprehensive Income Loss Before Tax

OtherComprehensiveIncomeLossBeforeTax

4157000

CY2020

us-gaap

Other Comprehensive Income Loss Tax

OtherComprehensiveIncomeLossTax

260000

CY2019

us-gaap

Other Comprehensive Income Loss Tax

OtherComprehensiveIncomeLossTax

1086000

CY2020

us-gaap

Other Comprehensive Income Loss Net Of Tax

OtherComprehensiveIncomeLossNetOfTax

735000

CY2019

us-gaap

Other Comprehensive Income Loss Net Of Tax

OtherComprehensiveIncomeLossNetOfTax

3071000

CY2020

us-gaap

Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest

ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest

7781000

CY2019

us-gaap

Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest

ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest

7357000

CY2020

us-gaap

Comprehensive Income Net Of Tax Attributable To Noncontrolling Interest

ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest

96000

CY2019

us-gaap

Comprehensive Income Net Of Tax Attributable To Noncontrolling Interest

ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest

10000

CY2020

us-gaap

Comprehensive Income Net Of Tax

ComprehensiveIncomeNetOfTax

7685000

CY2019

us-gaap

Comprehensive Income Net Of Tax

ComprehensiveIncomeNetOfTax

7347000

CY2020

us-gaap

Other Comprehensive Income Defined Benefit Plans Net Unamortized Gain Loss Arising During Period Tax

OtherComprehensiveIncomeDefinedBenefitPlansNetUnamortizedGainLossArisingDuringPeriodTax

61000

CY2019

us-gaap

Other Comprehensive Income Defined Benefit Plans Net Unamortized Gain Loss Arising During Period Tax

OtherComprehensiveIncomeDefinedBenefitPlansNetUnamortizedGainLossArisingDuringPeriodTax

88000

CY2020

us-gaap

Other Comprehensive Income Finalization Of Pension And Non Pension Postretirement Plan Valuation Tax

OtherComprehensiveIncomeFinalizationOfPensionAndNonPensionPostretirementPlanValuationTax

159000

CY2020

us-gaap

Net Cash Provided By Used In Financing Activities

NetCashProvidedByUsedInFinancingActivities

125966000

CY2019

us-gaap

Other Comprehensive Income Finalization Of Pension And Non Pension Postretirement Plan Valuation Tax

OtherComprehensiveIncomeFinalizationOfPensionAndNonPensionPostretirementPlanValuationTax

67000

CY2020

us-gaap

Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax

OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax

615000

CY2019

us-gaap

Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax

OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax

1010000

CY2020

us-gaap

Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax

OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax

242000

CY2019

us-gaap

Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax

OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax

86000

CY2020

us-gaap

Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification Tax

OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax

342000

CY2020

pbhc

Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Tax

OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodTax

9000

CY2019

pbhc

Other Comprehensive Income Loss Unrealized Holding Gain Loss On Securities Transferred To Held To Maturity Arising During Period Tax

OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodTax

7000

CY2020

pbhc

Esop Shares Earned

EsopSharesEarned

270000

CY2020

us-gaap

Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value

AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue

300000

CY2020

us-gaap

Stock Issued During Period Value Stock Options Exercised

StockIssuedDuringPeriodValueStockOptionsExercised

223000

CY2020

us-gaap

Dividends Common Stock

DividendsCommonStock

1102000

CY2020

us-gaap

Dividends Preferred Stock

DividendsPreferredStock

291000

CY2020

pbhc

Dividends Warrant

DividendsWarrant

30000

CY2020

pbhc

Distributions From Affiliates

DistributionsFromAffiliates

98000

CY2019

pbhc

Common Stock Issued During Period Value Private Placement Net Of Expenses

CommonStockIssuedDuringPeriodValuePrivatePlacementNetOfExpenses

3826000

CY2019

pbhc

Preferred Stock Issued During Period Value Private Placement Net Of Expenses

PreferredStockIssuedDuringPeriodValuePrivatePlacementNetOfExpenses

15370000

CY2019

us-gaap

Adjustments To Additional Paid In Capital Warrant Issued

AdjustmentsToAdditionalPaidInCapitalWarrantIssued

373000

CY2019

pbhc

Esop Shares Earned

EsopSharesEarned

339000

CY2019

us-gaap

Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value

AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue

291000

CY2019

us-gaap

Stock Issued During Period Value Stock Options Exercised

StockIssuedDuringPeriodValueStockOptionsExercised

218000

CY2019

us-gaap

Dividends Common Stock

DividendsCommonStock

1081000

CY2019

us-gaap

Dividends Preferred Stock

DividendsPreferredStock

208000

CY2019

pbhc

Dividends Warrant

DividendsWarrant

23000

CY2019

pbhc

Distributions From Affiliates

DistributionsFromAffiliates

13000

CY2020

us-gaap

Employee Stock Ownership Plan Esop Shares Contributed To Esop

EmployeeStockOwnershipPlanESOPSharesContributedToESOP

24442

CY2019

us-gaap

Employee Stock Ownership Plan Esop Shares Contributed To Esop

EmployeeStockOwnershipPlanESOPSharesContributedToESOP

24442

CY2020

us-gaap

Stock Issued During Period Shares Restricted Stock Award Gross

StockIssuedDuringPeriodSharesRestrictedStockAwardGross

13437

CY2019

us-gaap

Stock Issued During Period Shares Restricted Stock Award Gross

StockIssuedDuringPeriodSharesRestrictedStockAwardGross

18709

CY2020

us-gaap

Preferred Stock Dividends Per Share Declared

PreferredStockDividendsPerShareDeclared

0.24

CY2019

us-gaap

Preferred Stock Dividends Per Share Declared

PreferredStockDividendsPerShareDeclared

0.18

CY2020

pbhc

Warrant Dividends Per Share Declared

WarrantDividendsPerShareDeclared

0.24

CY2019

pbhc

Warrant Dividends Per Share Declared

WarrantDividendsPerShareDeclared

0.18

CY2019

us-gaap

Deferred Income Tax Expense Benefit

DeferredIncomeTaxExpenseBenefit

-16000

CY2020

pbhc

Amortization Of Operating Leases

AmortizationOfOperatingLeases

20000

CY2019

pbhc

Amortization Of Operating Leases

AmortizationOfOperatingLeases

25000

CY2020

us-gaap

Proceeds From Sale Of Loans Held For Sale

ProceedsFromSaleOfLoansHeldForSale

50914000

CY2019

us-gaap

Proceeds From Sale Of Loans Held For Sale

ProceedsFromSaleOfLoansHeldForSale

1492000

CY2020

us-gaap

Payments For Origination Of Mortgage Loans Held For Sale

PaymentsForOriginationOfMortgageLoansHeldForSale

15321000

CY2019

us-gaap

Payments For Origination Of Mortgage Loans Held For Sale

PaymentsForOriginationOfMortgageLoansHeldForSale

1474000

CY2020

pbhc

Gains Losses On Real Estate Acquired Through Foreclosure

GainsLossesOnRealEstateAcquiredThroughForeclosure

-14000

CY2019

pbhc

Gains Losses On Real Estate Acquired Through Foreclosure

GainsLossesOnRealEstateAcquiredThroughForeclosure

31000

CY2020

us-gaap

Gain Loss On Sales Of Loans Net

GainLossOnSalesOfLoansNet

1193000

CY2019

us-gaap

Gain Loss On Sales Of Loans Net

GainLossOnSalesOfLoansNet

33000

CY2020

pbhc

Payments For Proceeds From Sale Of Available For Sale Securities Debt

PaymentsForProceedsFromSaleOfAvailableForSaleSecuritiesDebt

1042000

CY2019

pbhc

Payments For Proceeds From Sale Of Available For Sale Securities Debt

PaymentsForProceedsFromSaleOfAvailableForSaleSecuritiesDebt

256000

CY2020

us-gaap

Heldtomaturity Securities Sold Security Realized Gain Loss Excluding Other Than Temporary Impairments

HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments

34000

CY2019

us-gaap

Heldtomaturity Securities Sold Security Realized Gain Loss Excluding Other Than Temporary Impairments

HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments

73000

CY2020

us-gaap

Marketable Securities Realized Gain Loss

MarketableSecuritiesRealizedGainLoss

-629000

CY2019

us-gaap

Marketable Securities Realized Gain Loss

MarketableSecuritiesRealizedGainLoss

81000

CY2020

us-gaap

Depreciation

1696000

CY2019

us-gaap

Depreciation

1520000

CY2020

pbhc

Amortization Accretion Of Mortgage Servicing Rights

AmortizationAccretionOfMortgageServicingRights

-354000

CY2019

pbhc

Amortization Accretion Of Mortgage Servicing Rights

AmortizationAccretionOfMortgageServicingRights

-3000

CY2020

pbhc

Amortization Accretion Of Deferred Loan Costs

AmortizationAccretionOfDeferredLoanCosts

786000

CY2019

pbhc

Amortization Accretion Of Deferred Loan Costs

AmortizationAccretionOfDeferredLoanCosts

-272000

CY2020

pbhc

Amortization Of Financing Cost From Subordinated Debt

AmortizationOfFinancingCostFromSubordinatedDebt

55000

CY2019

pbhc

Amortization Of Financing Cost From Subordinated Debt

AmortizationOfFinancingCostFromSubordinatedDebt

34000

CY2020

pbhc

Bank Owned Life Insurance Income Operating Activities

BankOwnedLifeInsuranceIncomeOperatingActivities

460000

CY2019

pbhc

Bank Owned Life Insurance Income Operating Activities

BankOwnedLifeInsuranceIncomeOperatingActivities

462000

CY2020

us-gaap

Amortization Of Debt Discount Premium

AmortizationOfDebtDiscountPremium

2104000

CY2019

us-gaap

Amortization Of Debt Discount Premium

AmortizationOfDebtDiscountPremium

1269000

CY2020

us-gaap

Amortization Of Intangible Assets

AmortizationOfIntangibleAssets

16000

CY2019

us-gaap

Amortization Of Intangible Assets

AmortizationOfIntangibleAssets

16000

CY2020

us-gaap

Stock Option Plan Expense

StockOptionPlanExpense

570000

CY2019

us-gaap

Stock Option Plan Expense

StockOptionPlanExpense

630000

CY2020

us-gaap

Increase Decrease In Accrued Interest Receivable Net

IncreaseDecreaseInAccruedInterestReceivableNet

837000

CY2019

us-gaap

Increase Decrease In Accrued Interest Receivable Net

IncreaseDecreaseInAccruedInterestReceivableNet

644000

CY2020

us-gaap

Increase Decrease In Other Operating Capital Net

IncreaseDecreaseInOtherOperatingCapitalNet

2659000

CY2019

us-gaap

Increase Decrease In Other Operating Capital Net

IncreaseDecreaseInOtherOperatingCapitalNet

-237000

CY2020

us-gaap

Net Cash Provided By Used In Operating Activities

NetCashProvidedByUsedInOperatingActivities

46561000

CY2019

us-gaap

Net Cash Provided By Used In Operating Activities

NetCashProvidedByUsedInOperatingActivities

8120000

CY2020

pbhc

Payments To Acquire Available For Sale Debt And Equity Securities

PaymentsToAcquireAvailableForSaleDebtAndEquitySecurities

143132000

CY2019

pbhc

Payments To Acquire Available For Sale Debt And Equity Securities

PaymentsToAcquireAvailableForSaleDebtAndEquitySecurities

75551000

CY2020

us-gaap

Payments To Acquire Held To Maturity Securities

PaymentsToAcquireHeldToMaturitySecurities

97135000

CY2019

us-gaap

Payments To Acquire Held To Maturity Securities

PaymentsToAcquireHeldToMaturitySecurities

88892000

CY2020

us-gaap

Payments To Acquire Federal Home Loan Bank Stock

PaymentsToAcquireFederalHomeLoanBankStock

3463000

CY2019

us-gaap

Payments To Acquire Federal Home Loan Bank Stock

PaymentsToAcquireFederalHomeLoanBankStock

10201000

CY2020

us-gaap

Proceeds From Sale Of Federal Home Loan Bank Stock

ProceedsFromSaleOfFederalHomeLoanBankStock

3907000

CY2019

us-gaap

Proceeds From Sale Of Federal Home Loan Bank Stock

ProceedsFromSaleOfFederalHomeLoanBankStock

11304000

CY2020

us-gaap

Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities

ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities

98718000

CY2019

us-gaap

Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities

ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities

42433000

CY2020

us-gaap

Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities

ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities

44918000

CY2019

us-gaap

Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities

ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities

19101000

CY2020

pbhc

Proceeds From Sale Of Available For Sale Debt And Equity Securities

ProceedsFromSaleOfAvailableForSaleDebtAndEquitySecurities

25795000

CY2019

pbhc

Proceeds From Sale Of Available For Sale Debt And Equity Securities

ProceedsFromSaleOfAvailableForSaleDebtAndEquitySecurities

102352000

CY2020

us-gaap

Proceeds From Sale Of Held To Maturity Securities

ProceedsFromSaleOfHeldToMaturitySecurities

3461000

CY2019

us-gaap

Proceeds From Sale Of Held To Maturity Securities

ProceedsFromSaleOfHeldToMaturitySecurities

635000

CY2020

us-gaap

Proceeds From Sale Of Foreclosed Assets

ProceedsFromSaleOfForeclosedAssets

132000

CY2019

us-gaap

Proceeds From Sale Of Foreclosed Assets

ProceedsFromSaleOfForeclosedAssets

1664000

CY2020

us-gaap

Payments For Proceeds From Loans And Leases

PaymentsForProceedsFromLoansAndLeases

81163000

CY2019

us-gaap

Payments For Proceeds From Loans And Leases

PaymentsForProceedsFromLoansAndLeases

162060000

CY2020

us-gaap

Payments To Acquire Property Plant And Equipment

PaymentsToAcquirePropertyPlantAndEquipment

1261000

CY2019

us-gaap

Payments To Acquire Property Plant And Equipment

PaymentsToAcquirePropertyPlantAndEquipment

3596000

CY2020

us-gaap

Net Cash Provided By Used In Investing Activities

NetCashProvidedByUsedInInvestingActivities

-149223000

CY2019

us-gaap

Net Cash Provided By Used In Investing Activities

NetCashProvidedByUsedInInvestingActivities

-162811000

CY2020

us-gaap

Increase Decrease In Demand Deposits

IncreaseDecreaseInDemandDeposits

138651000

CY2019

us-gaap

Increase Decrease In Demand Deposits

IncreaseDecreaseInDemandDeposits

10021000

CY2020

us-gaap

Increase Decrease In Time Deposits

IncreaseDecreaseInTimeDeposits

-58061000

CY2019

us-gaap

Increase Decrease In Time Deposits

IncreaseDecreaseInTimeDeposits

49708000

CY2020

pbhc

Increase Decrease In Brokered Deposits

IncreaseDecreaseInBrokeredDeposits

33424000

CY2019

pbhc

Increase Decrease In Brokered Deposits

IncreaseDecreaseInBrokeredDeposits

95104000

CY2020

us-gaap

Proceeds From Repayments Of Short Term Debt

ProceedsFromRepaymentsOfShortTermDebt

-21118000

CY2019

us-gaap

Proceeds From Repayments Of Short Term Debt

ProceedsFromRepaymentsOfShortTermDebt

-13862000

CY2020

us-gaap

Repayments Of Long Term Debt

RepaymentsOfLongTermDebt

30193000

CY2019

us-gaap

Repayments Of Long Term Debt

RepaymentsOfLongTermDebt

31227000

CY2020

us-gaap

Proceeds From Issuance Of Long Term Debt

ProceedsFromIssuanceOfLongTermDebt

40236000

CY2019

us-gaap

Proceeds From Issuance Of Long Term Debt

ProceedsFromIssuanceOfLongTermDebt

19680000

CY2020

us-gaap

Proceeds From Stock Options Exercised

ProceedsFromStockOptionsExercised

223000

CY2019

us-gaap

Proceeds From Stock Options Exercised

ProceedsFromStockOptionsExercised

218000

CY2020

pbhc

Proceeds From Junior Subordinated Debenture Owed To Unconsolidated Subsidiary Trust

ProceedsFromJuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust

25000000

CY2020

us-gaap

Payments Of Debt Issuance Costs

PaymentsOfDebtIssuanceCosts

783000

CY2020

us-gaap

Payments Of Dividends Common Stock

PaymentsOfDividendsCommonStock

1137000

CY2019

us-gaap

Payments Of Dividends Common Stock

PaymentsOfDividendsCommonStock

1091000

CY2020

us-gaap

Payments Of Dividends Preferred Stock And Preference Stock

PaymentsOfDividendsPreferredStockAndPreferenceStock

277000

CY2019

us-gaap

Payments Of Dividends Preferred Stock And Preference Stock

PaymentsOfDividendsPreferredStockAndPreferenceStock

139000

CY2020

pbhc

Payments Of Dividends Warrants

PaymentsOfDividendsWarrants

30000

CY2019

pbhc

Payments Of Dividends Warrants

PaymentsOfDividendsWarrants

15000

CY2018Q4

us-gaap

Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations

CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations

26316000

CY2019

pbhc

Proceeds From Finance Lease Transaction

ProceedsFromFinanceLeaseTransaction

572000

CY2020

us-gaap

Proceeds From Payments To Minority Shareholders

ProceedsFromPaymentsToMinorityShareholders

31000

CY2020Q4

us-gaap

Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations

CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations

43464000

CY2020

us-gaap

Interest Paid Net

InterestPaidNet

11067000

CY2019

us-gaap

Interest Paid Net

InterestPaidNet

13436000

CY2020

us-gaap

Income Taxes Paid

IncomeTaxesPaid

2650000

CY2019Q4

us-gaap

Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations

CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations

20160000

CY2019

us-gaap

Net Cash Provided By Used In Financing Activities

NetCashProvidedByUsedInFinancingActivities

148535000

CY2020

us-gaap

Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect

CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect

23304000

CY2019

us-gaap

Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect

CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect

-6156000

CY2019

us-gaap

Income Taxes Paid

IncomeTaxesPaid

750000

CY2020

pbhc

Transfer Of Loans To Foreclosed Real Estate

TransferOfLoansToForeclosedRealEstate

58000

CY2019

pbhc

Transfer Of Loans To Foreclosed Real Estate

TransferOfLoansToForeclosedRealEstate

548000

CY2020

pbhc

Collateral Deposits For Hedge Position Included In Cash And Due From Banks

CollateralDepositsForHedgePositionIncludedInCashAndDueFromBanks

1600000

CY2020

us-gaap

Description Of New Accounting Pronouncements Not Yet Adopted

DescriptionOfNewAccountingPronouncementsNotYetAdopted

Note 2:   New Accounting Pronouncements   <p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;letter-spacing:-0.1pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Financial Accounting Standards Board (“FASB”) and, to a lesser extent, other authoritative rulemaking bodies promulgate GAAP to regulate the standards of accounting in the United States.  From time to time, the FASB issues new GAAP standards, known as Accounting Standards Updates (“ASUs”) 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.  The following table provides a description of standards that were adopted in 2020 and standards not yet adopted as of December 31, 2020, but could have an impact on the Company's consolidated financial statements upon adoption. <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td colspan="7" valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:100%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standards Adopted in 2020</td> </tr> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.18%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Fair Value Measurement (ASU 2018-13: Fair Value Measurement [Topic 820]: Disclosure Framework Changes to the Disclosure Requirements for Fair Value Measurement</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The FASB is issuing the amendments in this ASU as part of the disclosure framework project. The disclosure framework project’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’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. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">  <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. The amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. The policy for timing of transfers between levels. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3. The valuation processes for Level 3 fair value measurements. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">  <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. For investments in certain entities that calculate net asset value, an entity is required to disclose the timing of liquidation of an investee’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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. The amendments clarify that the measurement uncertainty disclosure is to communicate information about the uncertainty in measurement as of the reporting date. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">  <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. 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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. 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.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">January 1, 2020</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.18%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The adoption of this ASU had no material impact to the Company's consolidated statements of condition or income.</td> </tr> </table></div> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.28%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Various Codification Improvements (ASU 2019-04: Codification Improvements to Topic 326, Financial Instruments—Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments)</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The FASB is issuing the amendments in this ASU as part of its ongoing project on its agenda for improving the Codification and correcting its unintended application. The items addressed in that project generally are not expected to have a significant effect on current accounting practices. The amendments in this ASU are summarized below. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">  <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For Codification Improvements specific to ASU 2016-01, the following topics are covered within ASU 2019-04: <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Scope Clarifications <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Held-to-Maturity Debt Securities Fair Value Disclosures <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Applicability of Topic 820 to the Measurement Alternative <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Remeasurement of Equity Securities at Historical Exchange Rates <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">  <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The ASU also covers a number of issues that relate to hedge accounting (ASU-2017-12) including: <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Scoping for Not-for-Profit Entities <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Transition Guidance <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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 (“TRG”) meetings. The amendments clarify or address stakeholders’ specific issues about certain aspects of the amendments in Update 2016-13 on a number of different topics, including the following: <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Accrued Interest <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Transfers between Classifications or Categories for Loans and Debt Securities <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Recoveries <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Consideration of Prepayments in Determining the Effective Interest Rate <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Consideration of Estimated Costs to Sell When Foreclosure Is Probable <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Vintage Disclosures— Line-of-Credit Arrangements Converted to Term Loans <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">• Contractual Extensions and Renewals</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This ASU 2019-04 has various implementation dates dependent on a number of factors as it pertains to the above items.  The Company has adopted ASU 2016-01 and ASU 2017-12, but has not adopted ASU 2016-13.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.28%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The adoption of this ASU had no material impact to its consolidated statements of condition or income.</td> </tr> </table></div> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td colspan="7" valign="bottom" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:100%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standards Not Yet Adopted as of December 31, 2020</td> </tr> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.28%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Measurement of Credit Losses on Financial Instruments (ASU 2016-13: Financial Instruments—Credit Losses [Topic 326]: Measurement of Credit Losses on Financial Instruments)</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: 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.  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.  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.  The initial allowance for these assets will be added to the purchase price at acquisition rather than being reported as an expense.  Subsequent changes in the allowance will be recorded through the income statement as an expense adjustment.  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.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">January 1, 2023 (early adoption permitted as of January 1, 2019)</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.28%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company is assessing the new guidance to determine what modifications to existing credit estimation processes may be required. The new guidance is complex and management is still evaluating the preliminary output from models that have been developed during this evaluative phase. In addition, future levels of allowances will also reflect new requirements to include estimated credit losses on investment securities classified as held-to-maturity, if any.  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.  It has been generally assumed that the conversion from the incurred loss model, required under current GAAP, to the current expected credit loss (CECL) methodology (as required upon implementation of this Update) will, more likely than not, result in increases to the allowances for credit losses at many financial institutions.  However, 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. The amendments in this Update should be applied on a modified retrospective basis by means of a cumulative-effect adjustment to the opening retained earnings balance in the statement of financial position as of the date that an entity adopted the amendments in Update 2016-13.  The cumulative impact of the economic effects of the COVID-19 pandemic on the changes to the allowance for loan losses, that will be required upon the implementation of the CECL methodology, cannot be estimated at this time.</td> </tr> </table></div> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Transition Relief for the Implementation of ASU-2016-13 (ASU 2019-5: Financial Instruments—Credit Losses [Topic 326]: Targeted Transition Relief)</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this ASU provide entities that have certain instruments within the scope of Subtopic 326-20, Financial Instruments—Credit Losses—Measured at Amortized Cost, with an option to irrevocably elect the fair value option in Subtopic 825-10, Financial Instruments—Overall, applied on an instrument-by-instrument basis for eligible instruments, upon adoption of Topic 326.  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—Overall, and 825-10.  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.  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.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">See comments above related to ASU 2016-13.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">See comments above related to ASU 2016-13.</td> </tr> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Compensation (ASU 2018-14: Compensation - Retirement Benefits - Defined Benefit Plans - General [Subtopic 715 – 20]: Disclosure Framework - Changes to the Disclosure Requirements for Defined Benefit Plans)</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">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. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">  <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. The amounts in accumulated other comprehensive income expected to be recognized as components of net periodic benefit cost over the next fiscal year. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. The amount and timing of plan assets expected to be returned to the employer. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3. 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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4. 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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">  <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. The weighted-average interest crediting rates for cash balance plans and other plans with promised interest crediting rates. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. An explanation of the reasons for significant gains and losses related to changes in the benefit obligation for the period. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">  <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">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 style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. The projected benefit obligation (PBO) and fair value of plan assets for plans with PBOs in excess of plan assets. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. The accumulated benefit obligation (ABO) and fair value of plan assets for plans with ABOs in excess of plan assets.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: 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.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company does not expect that the new guidance will have a material impact to the Company's consolidated statements of condition or income.</td> </tr> </table></div> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Investments (ASU 2020-01- Equity Securities [Topic 321], Investments—Equity Method and Joint Ventures [Topic 323], and Derivatives and Hedging [Topic 815]—Clarifying the Interactions between Topic 321, Topic 323, and Topic 815)</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this Update clarify the interaction of the accounting for equity securities under Topic 321 and investments accounted for under the equity method of accounting in Topic 323 and the accounting for certain forward contracts and purchased options accounted for under Topic 815.   The amendments clarify that an entity should consider observable transactions that require it to either apply or discontinue the equity method of accounting for the purposes of applying the measurement alternative in accordance with Topic 321 immediately before applying or upon discontinuing the equity method. The amendments clarify that for the purpose of applying paragraph 815-10-15-141(a) an entity should not consider whether, upon the settlement of the forward contract or exercise of the purchased option, individually or with existing investments, the underlying securities would be accounted for under the equity method in Topic 323 or the fair value option in accordance with the financial instruments guidance in Topic 825. An entity also would evaluate the remaining characteristics in paragraph 815-10-15-141 to determine the accounting for those forward contracts and purchased options.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: 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.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this Update should be applied prospectively.  The Company does not expect that the new guidance will have a material impact to its consolidated statements of condition or income.</td> </tr> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Income Taxes (ASU 2019-12- Simplifying the Accounting for Income Taxes)</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The FASB Board is issuing this Update as part of its initiative to reduce complexity in accounting standards (the Simplification Initiative). <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">  <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this Update simplify the accounting for income taxes by removing the following exceptions, among others not considered to be applicable to the Company: <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. Exception to the incremental approach for intraperiod tax allocation when there is a loss from continuing operations and income or a gain from other items (for example, discontinued operations or other comprehensive income) <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. Exception to the general methodology for calculating income taxes in an interim period when a year-to-date loss exceeds the anticipated loss for the year. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">  <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this Update also simplify the accounting for income taxes by doing the following: <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. Requiring that an entity recognize a franchise tax (or similar tax) that is partially based on income as an income-based tax and account for any incremental amount incurred as a non-income-based tax. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2.  Requiring that an entity evaluate when a step up in the tax basis of goodwill should be considered part of the business combination in which the book goodwill was originally recognized and when it should be considered a separate transaction. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3. Specifying that an entity is not required to allocate the consolidated amount of current and deferred tax expense to a legal entity that is not subject to tax in its separate financial statements. However, an entity may elect to do so (on an entity-by-entity basis) for a legal entity that is both not subject to tax and disregarded by the taxing authority. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4. Requiring that an entity reflect the effect of an enacted change in tax laws or rates in the annual effective tax rate computation in the interim period that includes the enactment date. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5. Making minor Codification improvements for income taxes related to employee stock ownership plans and investments in qualified affordable housing projects accounted for using the equity method.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: 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 of the amendments is permitted, including adoption in any interim period for (1) public business entities for periods for which financial statements have not yet been issued and (2) all other entities for periods for which financial statements have not yet been made available for issuance. An entity that elects to early adopt the amendments in an interim period should reflect any adjustments as of the beginning of the annual period that includes that interim period. Additionally, an entity that elects early adoption must adopt all the amendments in the same period.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this Update related to separate financial statements of legal entities that are not subject to tax should be applied on a retrospective basis for all periods presented. The amendments related to changes in ownership of foreign equity method investments or foreign subsidiaries should be applied on a modified retrospective basis through a cumulative-effect adjustment to retained earnings as of the beginning of the fiscal year of adoption. The amendments related to franchise taxes that are partially based on income should be applied on either a retrospective basis for all periods presented or a modified retrospective basis through a cumulative-effect adjustment to retained earnings as of the beginning of the fiscal year of adoption. All other amendments should be applied on a prospective basis.  The Company does not expect the new guidance will have a material impact to its consolidated statements of condition or income.</td> </tr> </table></div> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Financial Instruments—Credit Losses (ASU 2019-11- Codification Improvements to Topic 326)</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On June 16, 2016, the FASB issued Accounting Standards Update No. 2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, which introduced an expected credit loss model for the impairment of financial assets measured at amortized cost basis. That model replaces the probable, incurred loss model for those assets. Through the amendments in that Update, the Board added Topic 326, Financial Instruments—Credit Losses, and made several consequential amendments to the Codification.  The Board 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 create a significant administrative cost for most entities. The amendments in this Update are similar to those items. However, the Board decided to issue a separate Update for improvements to the amendments in Update 2016-13 to increase stakeholder awareness of those amendments and to expedite the improvement process. The amendments include items brought to the Board's attention by stakeholders. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">  <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this Update clarify or address stakeholders' specific issues about certain aspects of the amendments in Update 2016-13 as described below: <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">  <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. Expected Recoveries for Purchased Financial Assets with Credit Deterioration (PCDs):  The amendments clarify that the allowance for credit losses for PCD assets should include in the allowance for credit losses expected recoveries of amounts previously written off and expected to be written off by the entity and should not exceed the aggregate of amounts of the amortized cost basis previously written off and expected to be written off by an entity.  In addition, the amendments clarify that when a method other than a discounted cash flow method is used to estimate expected credit losses, expected recoveries should not include any amounts that result in an acceleration of the noncredit discount. An entity may include increases in expected cash flows after acquisition. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. Transition Relief for Troubled Debt Restructurings (TDRs):  The amendments provide transition relief by permitting entities an accounting policy election to adjust the effective interest rate on existing TDRs using prepayment assumptions on the date of adoption of Topic 326 rather than the prepayment assumptions in effect immediately before the restructuring. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3. Disclosures Related to Accrued Interest Receivables: The amendments extend the disclosure relief for accrued interest receivable balances to additional relevant disclosures involving amortized cost basis. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4. Financial Assets Secured by Collateral Maintenance Provisions: The amendments clarify that an entity should assess whether it reasonably expects the borrower will be able to continually replenish collateral securing the financial asset to apply the practical expedient.  The amendments clarify that an entity applying the practical expedient should estimate expected credit losses for any difference between the amount of the amortized cost basis that is greater than the fair value of the collateral securing the financial asset (that is, the unsecured portion of the amortized cost basis). An entity may determine that the expectation of nonpayment for the amount of the amortized cost basis equal to the fair value of the collateral securing the financial asset is zero. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5. Conforming Amendment to Subtopic 805-20: The amendment to Subtopic 805-20, Business Combinations—Identifiable Assets and Liabilities, and Any Noncontrolling Interest, clarifies the guidance by removing the cross-reference to Subtopic 310-30 in paragraph 805-20-50-1 and replacing it with a cross-reference to the guidance on PCD assets in Subtopic 326-20.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">January 1, 2023 (early adoption permitted as of January 1, 2019).  The effective dates and transition requirements for the amendments are the same as the effective dates and transition requirements in Update 2016-13.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company is assessing the new guidance to determine what modifications to existing credit estimation processes may be required. The new guidance is complex and management is still evaluating the preliminary output from models that have been developed during this evaluative phase.    In addition, future levels of allowances will also reflect new requirements to include estimated credit losses on investment securities classified as held-to-maturity, if any.  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.  It has been generally assumed that the conversion from the incurred loss model, required under current GAAP, to the CECL methodology will, more likely than not, result in increases to the allowances for credit losses at many financial institutions.  However, 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. The amendments in this Update should be applied on a modified retrospective basis by means of a cumulative-effect adjustment to the opening retained earnings balance in the statement of financial position as of the date that an entity adopted the amendments in Update 2016-13.</td> </tr> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Reference Rate Reform (ASU 2020-04- Facilitation of the Effects of Reference Rate Reform on Financial Reporting)</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments provide optional expedients and exceptions for applying generally accepted accounting principles (GAAP) to contracts, hedging relationships, and other transactions affected by reference rate reform. The amendments apply only to contracts, hedging relationships, and other transactions that reference LIBOR or another reference rate expected to be discontinued because of reference rate reform. The amendments (1) apply to contract modifications that replace a reference rate affected by reference rate reform, (2) provide exceptions to existing guidance related to changes to the critical terms of a hedging relationship due to reference rate reform (3) provide optional expedients for fair value hedging relationships, cash flow hedging relationships, and net investment hedging relationships, and (4) provide a onetime election to sell, transfer, or both sell and transfer debt securities classified as held to maturity that reference a rate affected by reference rate reform and that are classified as held to maturity before January 1, 2020.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this Update are effective for all entities as of March 12, 2020 through December 31, 2022.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments for contract modifications can be elected to be applied as of any date from the beginning of an interim period that includes or is subsequent to March 12, 2020, or prospectively from a date within an interim period that includes or is subsequent to March 12, 2020. The amendments for existing hedging relationships can be elected to be applied as of the beginning of the interim period that includes March 12, 2020 and to new eligible hedging relationships entered into after the beginning of the interim period that includes March 12, 2020. The Company does not expect that the guidance will have a material effect on its consolidated statements of condition or income.</td> </tr> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.48%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Debt (ASU 2020-06- Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging— Contracts in Entity's Own Equity (Subtopic 815-40)</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.38%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments reduce the number of accounting models for convertible debt instruments and convertible preferred stock.  The amendments also reduce form-over-substance-based guidance for the derivatives scope exception for contacts in an entity’s own equity. For convertible instruments, embedded conversion features no longer are separated from the host contract for convertible instruments with conversion features that are not required to be accounted for as derivatives, or that do not result in substantial premiums accounted for as paid-in capital. Consequently, a convertible debt instrument will be accounted for as a single liability measured at its amortized cost and a convertible preferred stock will be accounted for as a single equity instrument measured at its historical cost, as long as no other features require bifurcation and recognition as derivatives. By removing those separation models, the interest rate of convertible debt instruments typically will be closer to the coupon interest rate on the instrument.  The amendments also require certain changes to EPS calculations for convertible instruments as well as additional disclosures relating to conditions that cause conversion features to be met. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">  <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For contracts in an entity’s own equity, the amendments  revise the derivatives scope exception guidance as follows: <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">  <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1. Remove the settlement in unregistered shares, collateral, and shareholder rights conditions from the settlement guidance. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2. Clarify that payment penalties for failure to timely file do not preclude equity classification. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3. Require instruments that are required to be classified as an asset or liability to be measured subsequently at fair value, with changes reported in earnings and disclosed in the financial statements. 4. Clarify that the scope of the disclosure requirements in the Contracts in an Entity’s Own Equity section of the Derivatives guidance applies only to freestanding instruments. <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5. Clarify that the scope of the reassessment guidance in the Contracts in an Entity’s Own Equity section of the Derivatives guidance applies to both freestanding instruments and embedded features.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.88%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this update are effective for public business entities, excluding entities eligible to be smaller reporting companies as defined by the SEC, for fiscal years beginning after December 15, 2021, including interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. Early adoption is permitted, but no earlier than fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. The Board specified that an entity should adopt the guidance as of the beginning of its annual fiscal year.</td> <td valign="bottom" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.2%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">  <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments can be applied either on a modified retrospective method of transition or a fully retrospective method of transition. In applying the modified retrospective method, the guidance should be applied to transactions outstanding as of the beginning of the fiscal year in which the amendments are adopted. Transactions that were settled (or expired) during prior reporting periods are unaffected. The cumulative effect of the change should be recognized as an adjustment to the opening balance of retained earnings at the date of adoption. If applying the fully retrospective method of transition, the cumulative effect of the change should be recognized as an adjustment to the opening balance of retained earnings in the first comparative period presented.  The fair value option is allowed to be irrevocably elected for any financial instrument that is a convertible security upon adoption of the amendments.  The Company has not yet determined which transition method will be applied to the extent that such transition adjustments are applicable.   The Company does not expect that the guidance will have a material effect on its consolidated statements of financial condition or income.</td> </tr> </table></div> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.18%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Codification Improvements to Subtopic 310-20, Receivables—Nonrefundable Fees and Other Costs (ASU 2020-08)</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments affect the guidance in Accounting Standards Update No. 2017- <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">08, Receivables—Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities. The amendments in that Update shortened the amortization period for certain purchased callable debt securities held at a premium by requiring that entities amortize the premium associated with those callable debt securities within the scope of paragraph 310-20-25-33 to the earliest call date. The Board noted in paragraph BC21 of Update 2017-08 that if the security contained additional future call dates, an entity should consider whether the amortized cost basis exceeded the amount repayable by the issuer at the next call date. If so, the excess should be amortized to the next call date.  The amendments in this ASU represent changes to clarify the Codification. The amendments make the Codification easier to understand and easier to apply by eliminating inconsistencies and providing clarifications.</td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For public business entities, the amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. Early application is not permitted.</td> <td valign="bottom" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.18%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">All entities should apply the amendments in this ASU on a prospective basis as of the beginning of the period of adoption for existing or newly purchased callable debt securities.  The Company does not expect this guidance to have a material effect on its consolidated statements of condition or income.</td> </tr> <tr> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Standard</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Required Date <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Implementation</td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#CFF0FC" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.18%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Effect on Consolidated Financial Statements</td> </tr> <tr> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:15.46%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Reference Rate Reform, Topic 848 (ASU 2021-01)</td> <td valign="bottom" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:41.34%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this ASU clarify that certain optional expedients and exceptions in Topic 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition.  Specifically, certain provisions in Topic 848, if elected by an entity, apply to derivative instruments that use an interest rate for margining, discounting, or contract price alignment that is modified as a result of reference rate reform. The amendments in this Update apply to all entities that elect to apply the optional guidance in Topic 848.</td> <td valign="bottom" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:14.86%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The amendments in this ASU are effective immediately for all entities.</td> <td valign="bottom" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:1.02%;"> <p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </td> <td valign="top" bgcolor="#FFFFFF" style="padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:25.18%;"> <p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8.5pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">An entity may elect to apply the amendments in this ASU on a full retrospective basis as of any date from the beginning of an interim period that includes or is subsequent to March 12, 2020, or on a prospective basis to new modifications from any date within an interim period that includes or is subsequent to the date of the issuance of a final ASU, up to the date that financial statements are available to be issued.  If an entity elects to apply any of the amendments in this ASU for an eligible hedging relationship, any adjustments as a result of those elections must be reflected as of the date the entity applies the election. The amendments in this ASU do not apply to contract modifications made after December 31, 2022, new hedging relationships entered into after December 31, 2022, and existing hedging relationships evaluated for effectiveness in periods after December 31, 2022, except for hedging relationships existing as of December 31, 2022, that apply certain optional expedients in which the accounting effects are recorded through the end of the hedging relationship (including periods after December 31, 2022).  The Company does not expect that the guidance will have a material effect on its consolidated statements of condition or income.</td> </tr> </table></div>

CY2020

us-gaap

Use Of Estimates

UseOfEstimates

<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Use of Estimates in the Preparation of Consolidated Financial Statements <p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;text-indent:0%;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The preparation of consolidated financial statements in accordance with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.  Management has identified the allowance for loan losses, deferred income taxes, pension obligations, the annual evaluation of the Company’s goodwill for possible impairment and the evaluation of investment securities for other than temporary impairment and the estimation of fair values for accounting and disclosure purposes to be the accounting areas that require the most subjective and complex judgments, and as such, could be the most subject to revision as new information becomes available. <p style="text-align:justify;margin-top:12pt;margin-bottom:0pt;text-indent:0%;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company is subject to the regulations of various governmental agencies.  The Company also undergoes periodic examinations by the regulatory agencies which may subject it to further changes with respect to asset valuations, amounts of required loss allowances, and operating restrictions resulting from the regulators' judgments based on information available to them at the time of their examinations.

CY2020

us-gaap

Concentration Risk Credit Risk

ConcentrationRiskCreditRisk

<p style="text-align:justify;margin-top:18pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Significant Group Concentrations of Credit Risk <p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;text-indent:0%;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Most of the Company’s activities are with customers located primarily in Oswego and Onondaga counties of New York State.  A large portion of the Company’s portfolio is centered in residential and commercial real estate.  The Company closely monitors real estate collateral values and requires additional reviews of commercial real estate appraisals by a qualified third party for commercial real estate loans in excess of $400,000.  All residential loan appraisals are reviewed by an individual or third party who is independent of the loan origination or approval process and was not involved in the approval of appraisers or selection of the appraiser for the transaction, and has no direct or indirect interest, financial or otherwise in the property or the transaction.  Note 4 discusses the types of securities that the Company invests in.  Note 5 discusses the types of lending that the Company engages in.  The Company does not have any significant concentrations to any one industry or customer.

CY2020

us-gaap

Prior Period Reclassification Adjustment Description

PriorPeriodReclassificationAdjustmentDescription

<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Reclassifications <p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;text-indent:0%;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Certain amounts in the 2019 consolidated financial statements have been reclassified to conform to the current year presentation.  These reclassifications had no effect on net income as previously reported.

CY2019Q2

pbhc

Net Proceeds From Issuance Of Private Placement

NetProceedsFromIssuanceOfPrivatePlacement

19600000

CY2020Q4

pbhc

Number Of Wholly Owned Subsidiaries

NumberOfWhollyOwnedSubsidiaries

2

CY2020Q4

pbhc

Consolidation Of Membership Interest In Subsidiary

ConsolidationOfMembershipInterestInSubsidiary

1.00

CY2020Q4

pbhc

Number Of Offices Located In Oswego County

NumberOfOfficesLocatedInOswegoCounty

7

CY2020Q4

pbhc

Number Of Offices Located In Onondaga County

NumberOfOfficesLocatedInOnondagaCounty

3

CY2020Q4

pbhc

Number Of Loan Production Office Located In Oneida County

NumberOfLoanProductionOfficeLocatedInOneidaCounty

1

CY2020Q4

pbhc

Minimum Commercial Real Estate Loans Amount Required For Additional Review

MinimumCommercialRealEstateLoansAmountRequiredForAdditionalReview

400000

CY2020

pbhc

Advertising Contracts Maturity Description

AdvertisingContractsMaturityDescription

Expenditures for new marketing and advertising material designs and/or media content, related to specifically-identifiable marketing campaigns are capitalized and expensed over the estimated life of the campaign. Such periods of time are generally 12-24 months in duration and do not exceed 36 months.

CY2020

pbhc

Maturity Period For Classification As Cash And Cash Equivalents Maximum

MaturityPeriodForClassificationAsCashAndCashEquivalentsMaximum

P3M

CY2020Q4

pbhc

Maximum Percentage For Estimating Specific And General Losses

MaximumPercentageForEstimatingSpecificAndGeneralLosses

0.10

CY2020Q4

pbhc

Individual Residential Mortgage Loans Threshold For Evaluations Of Impairment

IndividualResidentialMortgageLoansThresholdForEvaluationsOfImpairment

300000

CY2020

pbhc

Consecutive Months Of Current Payments Before Non Accrual Troubled Debt Restructured Loans Are Restored To Accrual Status

ConsecutiveMonthsOfCurrentPaymentsBeforeNonAccrualTroubledDebtRestructuredLoansAreRestoredToAccrualStatus

P6M

CY2020

us-gaap

Finite Lived Intangible Asset Useful Life

FiniteLivedIntangibleAssetUsefulLife

P15Y

CY2020Q4

pbhc

Unrealized Loss And Transition Obligation For Pension And Other Postretirement Obligations

UnrealizedLossAndTransitionObligationForPensionAndOtherPostretirementObligations

-2832000

CY2019Q4

pbhc

Unrealized Loss And Transition Obligation For Pension And Other Postretirement Obligations

UnrealizedLossAndTransitionObligationForPensionAndOtherPostretirementObligations

-3677000

CY2020Q4

pbhc

Unrealized Loss And Transition Obligation For Pension And Other Postretirement Obligations Tax Effect

UnrealizedLossAndTransitionObligationForPensionAndOtherPostretirementObligationsTaxEffect

-739000

CY2019Q4

pbhc

Unrealized Loss And Transition Obligation For Pension And Other Postretirement Obligations Tax Effect

UnrealizedLossAndTransitionObligationForPensionAndOtherPostretirementObligationsTaxEffect

-960000

CY2020Q4

us-gaap

Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Net Of Tax

AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax

2093000

CY2019Q4

us-gaap

Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Net Of Tax

AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax

2717000

CY2020Q4

pbhc

Unrealized Gains Available For Sale Securities

UnrealizedGainsAvailableForSaleSecurities

1133000

CY2019Q4

pbhc

Unrealized Gains Available For Sale Securities

UnrealizedGainsAvailableForSaleSecurities

-293000

CY2020Q4

pbhc

Unrealized Gains On Available For Sale Securities Tax Effect

UnrealizedGainsOnAvailableForSaleSecuritiesTaxEffect

-296000

CY2019Q4

pbhc

Unrealized Gains On Available For Sale Securities Tax Effect

UnrealizedGainsOnAvailableForSaleSecuritiesTaxEffect

77000

CY2020Q4

us-gaap

Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax

AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax

837000

CY2019Q4

us-gaap

Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax

AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax

-216000

CY2020Q4

pbhc

Unrealized Holding Losses On Hedging Activities During Period

UnrealizedHoldingLossesOnHedgingActivitiesDuringPeriod

-1308000

CY2020Q4

pbhc

Unrealized Holding Losses On Hedging Activities Tax Effect

UnrealizedHoldingLossesOnHedgingActivitiesTaxEffect

342000

CY2020Q4

pbhc

Net Unrealized Loss On Hedging Activities

NetUnrealizedLossOnHedgingActivities

-966000

CY2020Q4

pbhc

Unrealized Loss On Securities Transferred To Held To Maturity

UnrealizedLossOnSecuritiesTransferredToHeldToMaturity

-22000

CY2019Q4

pbhc

Unrealized Loss On Securities Transferred To Held To Maturity

UnrealizedLossOnSecuritiesTransferredToHeldToMaturity

-54000

CY2020Q4

pbhc

Unrealized Loss On Securities Transferred To Held To Maturity Tax Effect

UnrealizedLossOnSecuritiesTransferredToHeldToMaturityTaxEffect

8000

CY2019Q4

pbhc

Unrealized Loss On Securities Transferred To Held To Maturity Tax Effect

UnrealizedLossOnSecuritiesTransferredToHeldToMaturityTaxEffect

16000

CY2020Q4

pbhc

Other Comprehensive Income Reclassification Adjustment For Held To Maturity Transferred To Available For Sale Securities Net Of Taxes

OtherComprehensiveIncomeReclassificationAdjustmentForHeldToMaturityTransferredToAvailableForSaleSecuritiesNetOfTaxes

-14000

CY2019Q4

pbhc

Other Comprehensive Income Reclassification Adjustment For Held To Maturity Transferred To Available For Sale Securities Net Of Taxes

OtherComprehensiveIncomeReclassificationAdjustmentForHeldToMaturityTransferredToAvailableForSaleSecuritiesNetOfTaxes

-38000

CY2020

us-gaap

Weighted Average Number Of Shares Outstanding Basic

WeightedAverageNumberOfSharesOutstandingBasic

4608000

CY2019

us-gaap

Weighted Average Number Of Shares Outstanding Basic

WeightedAverageNumberOfSharesOutstandingBasic

4464000

CY2020

us-gaap

Weighted Average Number Of Diluted Shares Outstanding

WeightedAverageNumberOfDilutedSharesOutstanding

4608000

CY2019

us-gaap

Weighted Average Number Of Diluted Shares Outstanding

WeightedAverageNumberOfDilutedSharesOutstanding

4464000

CY2020Q4

us-gaap

Available For Sale Debt Securities Amortized Cost Basis

AvailableForSaleDebtSecuritiesAmortizedCostBasis

126922000

CY2020Q4

us-gaap

Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax

AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax

1752000

CY2020Q4

us-gaap

Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax

AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax

619000

CY2020Q4

us-gaap

Available For Sale Securities Debt Securities

AvailableForSaleSecuritiesDebtSecurities

128055000

CY2020Q4

us-gaap

Equity Securities Fv Ni Cost

EquitySecuritiesFvNiCost

206000

CY2020Q4

pbhc

Equity Securities Available For Sale Accumulated Gross Unrealized Gain Before Tax

EquitySecuritiesAvailableForSaleAccumulatedGrossUnrealizedGainBeforeTax

0

CY2020Q4

pbhc

Equity Securities Available For Sale Accumulated Gross Unrealized Loss Before Tax

EquitySecuritiesAvailableForSaleAccumulatedGrossUnrealizedLossBeforeTax

0

CY2020Q4

us-gaap

Equity Securities Fv Ni

EquitySecuritiesFvNi

206000

CY2020Q4

pbhc

Available For Sale Debt And Equity Securities Amortized Cost

AvailableForSaleDebtAndEquitySecuritiesAmortizedCost

127128000

CY2020Q4

pbhc

Available For Sale Debt And Equity Securities Accumulated Gross Unrealized Gain Before Tax

AvailableForSaleDebtAndEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax

1752000

CY2020Q4

pbhc

Available For Sale Debt And Equity Securities Accumulated Gross Unrealized Loss Before Tax

AvailableForSaleDebtAndEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax

619000

CY2020Q4

us-gaap

Held To Maturity Securities Accumulated Unrecognized Holding Gain

HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain

4074000

CY2020Q4

us-gaap

Held To Maturity Securities Accumulated Unrecognized Holding Loss

HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss

363000

CY2019Q4

us-gaap

Available For Sale Debt Securities Amortized Cost Basis

AvailableForSaleDebtSecuritiesAmortizedCostBasis

111221000

CY2019Q4

us-gaap

Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax

AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax

480000

CY2019Q4

us-gaap

Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax

AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax

773000

CY2019Q4

us-gaap

Available For Sale Securities Debt Securities

AvailableForSaleSecuritiesDebtSecurities

110928000

CY2019Q4

us-gaap

Equity Securities Fv Ni Cost

EquitySecuritiesFvNiCost

206000

CY2019Q4

pbhc

Equity Securities Available For Sale Accumulated Gross Unrealized Gain Before Tax

EquitySecuritiesAvailableForSaleAccumulatedGrossUnrealizedGainBeforeTax

0

CY2019Q4

pbhc

Equity Securities Available For Sale Accumulated Gross Unrealized Loss Before Tax

EquitySecuritiesAvailableForSaleAccumulatedGrossUnrealizedLossBeforeTax

0

CY2019Q4

us-gaap

Equity Securities Fv Ni

EquitySecuritiesFvNi

206000

CY2019Q4

pbhc

Available For Sale Debt And Equity Securities Amortized Cost

AvailableForSaleDebtAndEquitySecuritiesAmortizedCost

111427000

CY2019Q4

pbhc

Available For Sale Debt And Equity Securities Accumulated Gross Unrealized Gain Before Tax

AvailableForSaleDebtAndEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax

480000

CY2019Q4

pbhc

Available For Sale Debt And Equity Securities Accumulated Gross Unrealized Loss Before Tax

AvailableForSaleDebtAndEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax

773000

CY2019Q4

us-gaap

Held To Maturity Securities Accumulated Unrecognized Holding Gain

HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain

1393000

CY2019Q4

us-gaap

Held To Maturity Securities Accumulated Unrecognized Holding Loss

HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss

233000

CY2020Q4

us-gaap

Available For Sale Securities Debt Maturities Within One Year Amortized Cost

AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost

530000

CY2020Q4

us-gaap

Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost

AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost

8875000

CY2020Q4

us-gaap

Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost

AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost

13116000

CY2020Q4

us-gaap

Available For Sale Securities Debt Maturities After Ten Years Amortized Cost

AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost

28107000

CY2020Q4

pbhc

Aggregate Of Available For Sale Securities Debt Maturities Amortized Cost Basis

AggregateOfAvailableForSaleSecuritiesDebtMaturitiesAmortizedCostBasis

50628000

CY2020Q4

us-gaap

Available For Sale Securities Debt Maturities Within One Year Fair Value

AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue

531000

CY2020Q4

us-gaap

Available For Sale Securities Debt Maturities After One Through Five Years Fair Value

AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue

9086000

CY2020Q4

us-gaap

Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value

AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue

13197000

CY2020Q4

us-gaap

Available For Sale Securities Debt Maturities After Ten Years Fair Value

AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue

28630000

CY2020Q4

pbhc

Aggregate Of Available For Sale Securities Debt Maturities Fair Value

AggregateOfAvailableForSaleSecuritiesDebtMaturitiesFairValue

51444000

CY2020Q4

pbhc

Available For Sale Securities Debt Maturities Fair Value Net

AvailableForSaleSecuritiesDebtMaturitiesFairValueNet

128055000

CY2020Q4

us-gaap

Held To Maturity Securities Debt Maturities Within One Year Net Carrying Amount

HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount

1672000

CY2019Q4

us-gaap

Loans And Leases Receivable Deferred Income

LoansAndLeasesReceivableDeferredIncome

-110000

CY2020Q4

us-gaap

Loans And Leases Receivable Deferred Income

LoansAndLeasesReceivableDeferredIncome

1238000

CY2020Q4

us-gaap

Financing Receivable Recorded Investment Past Due

FinancingReceivableRecordedInvestmentPastDue

15320000

CY2020Q4

us-gaap

Financing Receivable Recorded Investment Current

FinancingReceivableRecordedInvestmentCurrent

811413000

CY2019Q4

us-gaap

Financing Receivable Recorded Investment Past Due

FinancingReceivableRecordedInvestmentPastDue

16299000

CY2019Q4

us-gaap

Financing Receivable Recorded Investment Current

FinancingReceivableRecordedInvestmentCurrent

765042000

CY2020Q4

us-gaap

Financing Receivable Recorded Investment Nonaccrual Status

FinancingReceivableRecordedInvestmentNonaccrualStatus

21333000

CY2019Q4

us-gaap

Financing Receivable Recorded Investment Nonaccrual Status

FinancingReceivableRecordedInvestmentNonaccrualStatus

5246000

CY2020Q4

us-gaap

Financing Receivable Recorded Investment90 Days Past Due And Still Accruing

FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing

0

CY2019Q4

us-gaap

Financing Receivable Recorded Investment90 Days Past Due And Still Accruing

FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing

0

CY2020Q4

us-gaap

Impaired Financing Receivable Recorded Investment

ImpairedFinancingReceivableRecordedInvestment

22830000

CY2020Q4

us-gaap

Impaired Financing Receivable Unpaid Principal Balance

ImpairedFinancingReceivableUnpaidPrincipalBalance

22931000

CY2020Q4

us-gaap

Impaired Financing Receivable Related Allowance

ImpairedFinancingReceivableRelatedAllowance

2781000

CY2019Q4

us-gaap

Impaired Financing Receivable Recorded Investment

ImpairedFinancingReceivableRecordedInvestment

7487000

CY2020Q4

pbhc

Held To Maturity Number Of Securities In Unrealized Loss Positions Twelve Months Or More

HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositionsTwelveMonthsOrMore

4

CY2020Q4

us-gaap

Held To Maturity Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss

HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss

146000

CY2020Q4

pbhc

Aggregate Of Held To Maturity Securities Debt Maturities Fair Value

AggregateOfHeldToMaturitySecuritiesDebtMaturitiesFairValue

73943000

CY2020Q4

us-gaap

Held To Maturity Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value

HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue

5463000

CY2020Q4

pbhc

Held To Maturity Number Of Securities In Unrealized Loss Positions

HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositions

20

CY2020Q4

us-gaap

Held To Maturity Securities Continuous Unrealized Loss Position Accumulated Loss

HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss

363000

CY2020Q4

us-gaap

Held To Maturity Securities Debt Maturities After Five Through Ten Years Fair Value

HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue

30248000

CY2020Q4

us-gaap

Held To Maturity Securities Debt Maturities After Ten Years Fair Value

HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue

23630000

CY2020Q4

us-gaap

Held To Maturity Securities Continuous Unrealized Loss Position Fair Value

HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue

28448000

CY2019Q4

pbhc

Held To Maturity Number Of Securities In Unrealized Loss Positions Less Than Twelve Months

HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositionsLessThanTwelveMonths

17

CY2020Q4

us-gaap

Held To Maturity Securities Debt Maturities After One Through Five Years Net Carrying Amount

HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount

17639000

CY2020Q4

us-gaap

Held To Maturity Securities Debt Maturities After Five Through Ten Years Net Carrying Amount

HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount

29619000

CY2020Q4

us-gaap

Held To Maturity Securities Debt Maturities After Ten Years Net Carrying Amount

HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount

23407000

CY2020Q4

pbhc

Aggregate Of Held To Maturity Securities Debt Maturities Carrying Amount

AggregateOfHeldToMaturitySecuritiesDebtMaturitiesCarryingAmount

72337000

CY2020Q4

us-gaap

Held To Maturity Securities Debt Maturities Within One Year Fair Value

HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue

1680000

CY2020Q4

us-gaap

Held To Maturity Securities Debt Maturities After One Through Five Years Fair Value

HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue

18385000

CY2020Q4

pbhc

Held To Maturity Number Of Securities In Unrealized Loss Positions Less Than Twelve Months

HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositionsLessThanTwelveMonths

16

CY2020Q4

us-gaap

Held To Maturity Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss

HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss

217000

CY2020Q4

us-gaap

Held To Maturity Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value

HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue

22985000

CY2019Q4

us-gaap

Held To Maturity Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss

HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss

226000

CY2019Q4

us-gaap

Held To Maturity Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value

HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue

31395000

CY2019Q4

pbhc

Held To Maturity Number Of Securities In Unrealized Loss Positions Twelve Months Or More

HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositionsTwelveMonthsOrMore

3

CY2019Q4

us-gaap

Held To Maturity Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss

HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss

7000

CY2019Q4

us-gaap

Held To Maturity Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value

HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue

1330000

CY2019Q4

pbhc

Held To Maturity Number Of Securities In Unrealized Loss Positions

HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositions

20

CY2019Q4

us-gaap

Held To Maturity Securities Continuous Unrealized Loss Position Accumulated Loss

HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss

233000

CY2019Q4

us-gaap

Held To Maturity Securities Continuous Unrealized Loss Position Fair Value

HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue

32725000

CY2020Q4

us-gaap

Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Number Of Positions

DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions

8

CY2020Q4

pbhc

Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or More Amortized Historical Cost Basis

AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrMoreAmortizedHistoricalCostBasis

13800000

CY2020Q4

us-gaap

Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss

DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss

474000

CY2020

pbhc

Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Accumulated Loss Percentage

AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAccumulatedLossPercentage

-0.034

CY2020Q4

pbhc

Number Of Securities Held To Maturity

NumberOfSecuritiesHeldToMaturity

4

CY2020Q4

pbhc

Held To Maturity Securities Continuous Unrealized Loss Position Greater Than Twelve Months Amortized Historical Cost Basis

HeldToMaturitySecuritiesContinuousUnrealizedLossPositionGreaterThanTwelveMonthsAmortizedHistoricalCostBasis

5600000

CY2020

pbhc

Held To Maturity Securities Continuous Unrealized Loss Position Twelve Months Or Longer Accumulated Loss Percentage

HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAccumulatedLossPercentage

-0.026

CY2020Q4

pbhc

Total Number Of Securities Continuous Unrealized Loss Position For Twelve Months Or More

TotalNumberOfSecuritiesContinuousUnrealizedLossPositionForTwelveMonthsOrMore

12

CY2020Q4

pbhc

Number Of Securities Amortized

NumberOfSecuritiesAmortized

3

CY2020Q4

pbhc

Percentage Of Securities Amortized Of Total Securities

PercentageOfSecuritiesAmortizedOfTotalSecurities

0.572

CY2020

pbhc

Proceeds From Sale Of Available For Sale Securities And Held To Maturity Securities

ProceedsFromSaleOfAvailableForSaleSecuritiesAndHeldToMaturitySecurities

29300000

CY2019

pbhc

Proceeds From Sale Of Available For Sale Securities And Held To Maturity Securities

ProceedsFromSaleOfAvailableForSaleSecuritiesAndHeldToMaturitySecurities

103000000

CY2020

pbhc

Realized Gains On Investments Sold

RealizedGainsOnInvestmentsSold

1107000

CY2019

pbhc

Realized Gains On Investments Sold

RealizedGainsOnInvestmentsSold

707000

CY2020

pbhc

Realized Losses On Sale Of Investments

RealizedLossesOnSaleOfInvestments

31000

CY2019

pbhc

Realized Losses On Sale Of Investments

RealizedLossesOnSaleOfInvestments

378000

CY2020

pbhc

Gain Loss On Sale Of Investments Excluding Realized Gain On Marketable Equity Security

GainLossOnSaleOfInvestmentsExcludingRealizedGainOnMarketableEquitySecurity

1076000

CY2019

pbhc

Gain Loss On Sale Of Investments Excluding Realized Gain On Marketable Equity Security

GainLossOnSaleOfInvestmentsExcludingRealizedGainOnMarketableEquitySecurity

329000

CY2020Q4

pbhc

Securities Pledged To Collateralize Deposit

SecuritiesPledgedToCollateralizeDeposit

96400000

CY2019Q4

pbhc

Securities Pledged To Collateralize Deposit

SecuritiesPledgedToCollateralizeDeposit

92400000

CY2020Q4

pbhc

Securities Pledged To Collateralize Borrowing

SecuritiesPledgedToCollateralizeBorrowing

13200000

CY2019Q4

pbhc

Securities Pledged To Collateralize Borrowing

SecuritiesPledgedToCollateralizeBorrowing

21300000

CY2020Q4

us-gaap

Loans And Leases Receivable Gross Carrying Amount

LoansAndLeasesReceivableGrossCarryingAmount

826733000

CY2019Q4

us-gaap

Loans And Leases Receivable Gross Carrying Amount

LoansAndLeasesReceivableGrossCarryingAmount

781341000

CY2019Q4

us-gaap

Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses

DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses

2266000

CY2019Q4

us-gaap

Impaired Financing Receivable Unpaid Principal Balance

ImpairedFinancingReceivableUnpaidPrincipalBalance

7566000

CY2019Q4

us-gaap

Impaired Financing Receivable Related Allowance

ImpairedFinancingReceivableRelatedAllowance

830000

CY2020

us-gaap

Impaired Financing Receivable Average Recorded Investment

ImpairedFinancingReceivableAverageRecordedInvestment

11087000

CY2019

us-gaap

Impaired Financing Receivable Average Recorded Investment

ImpairedFinancingReceivableAverageRecordedInvestment

7096000

CY2020

us-gaap

Impaired Financing Receivable Interest Income Cash Basis Method

ImpairedFinancingReceivableInterestIncomeCashBasisMethod

705000

CY2019

us-gaap

Impaired Financing Receivable Interest Income Cash Basis Method

ImpairedFinancingReceivableInterestIncomeCashBasisMethod

352000

CY2019Q4

us-gaap

Financing Receivable Allowance For Credit Losses

FinancingReceivableAllowanceForCreditLosses

8669000

CY2020

us-gaap

Financing Receivable Allowance For Credit Losses Write Offs

FinancingReceivableAllowanceForCreditLossesWriteOffs

700000

CY2020

us-gaap

Financing Receivable Allowance For Credit Losses Recovery

FinancingReceivableAllowanceForCreditLossesRecovery

101000

CY2020Q4

us-gaap

Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1

FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1

2781000

CY2020Q4

us-gaap

Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment

FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment

9996000

CY2020Q4

us-gaap

Financing Receivable Individually Evaluated For Impairment

FinancingReceivableIndividuallyEvaluatedForImpairment

22830000

CY2020Q4

us-gaap

Financing Receivable Collectively Evaluated For Impairment

FinancingReceivableCollectivelyEvaluatedForImpairment

803903000

CY2019Q4

us-gaap

Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1

FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1

830000

CY2019Q4

us-gaap

Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment

FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment

7839000

CY2019Q4

us-gaap

Financing Receivable Individually Evaluated For Impairment

FinancingReceivableIndividuallyEvaluatedForImpairment

7487000

CY2019Q4

us-gaap

Financing Receivable Collectively Evaluated For Impairment

FinancingReceivableCollectivelyEvaluatedForImpairment

773854000

CY2020Q4

pbhc

Financing Receivable Allowance For Credit Losses Specifically Reserved

FinancingReceivableAllowanceForCreditLossesSpecificallyReserved

2781000

CY2020Q4

pbhc

Financing Receivable Allowance For Credit Losses Historical Loss Rate

FinancingReceivableAllowanceForCreditLossesHistoricalLossRate

1504000

CY2020Q4

pbhc

Financing Receivable Allowance For Credit Losses Qualitative Factors

FinancingReceivableAllowanceForCreditLossesQualitativeFactors

7947000

CY2020Q4

pbhc

Financing Receivable Allowance For Credit Losses Other

FinancingReceivableAllowanceForCreditLossesOther

545000

CY2019Q4

pbhc

Financing Receivable Allowance For Credit Losses Specifically Reserved

FinancingReceivableAllowanceForCreditLossesSpecificallyReserved

830000

CY2019Q4

pbhc

Financing Receivable Allowance For Credit Losses Historical Loss Rate

FinancingReceivableAllowanceForCreditLossesHistoricalLossRate

533000

CY2019Q4

pbhc

Financing Receivable Allowance For Credit Losses Qualitative Factors

FinancingReceivableAllowanceForCreditLossesQualitativeFactors

7034000

CY2019Q4

pbhc

Financing Receivable Allowance For Credit Losses Other

FinancingReceivableAllowanceForCreditLossesOther

272000

CY2020Q4

pbhc

Servicing Asset At Carrying Value Amount

ServicingAssetAtCarryingValueAmount

52900000

CY2019Q4

pbhc

Servicing Asset At Carrying Value Amount

ServicingAssetAtCarryingValueAmount

11800000

CY2020Q4

pbhc

Capitalized Servicing Asset At Carrying Value Amount

CapitalizedServicingAssetAtCarryingValueAmount

373000

CY2019Q4

pbhc

Capitalized Servicing Asset At Carrying Value Amount

CapitalizedServicingAssetAtCarryingValueAmount

19000

CY2020

us-gaap

Servicing Asset At Amortized Value Additions

ServicingAssetAtAmortizedValueAdditions

407000

CY2019

us-gaap

Servicing Asset At Amortized Value Additions

ServicingAssetAtAmortizedValueAdditions

16000

CY2020

us-gaap

Servicing Asset At Amortized Value Amortization1

ServicingAssetAtAmortizedValueAmortization1

54000

CY2019

us-gaap

Servicing Asset At Amortized Value Amortization1

ServicingAssetAtAmortizedValueAmortization1

13000

CY2020Q4

us-gaap

Property Plant And Equipment Gross

PropertyPlantAndEquipmentGross

41721000

CY2019Q4

us-gaap

Property Plant And Equipment Gross

PropertyPlantAndEquipmentGross

40452000

CY2020Q4

us-gaap

Accumulated Depreciation Depletion And Amortization Property Plant And Equipment

AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment

19457000

CY2019Q4

us-gaap

Accumulated Depreciation Depletion And Amortization Property Plant And Equipment

AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment

17753000

CY2020Q4

us-gaap

Mortgage Loans In Process Of Foreclosure Amount

MortgageLoansInProcessOfForeclosureAmount

182000

CY2019Q4

us-gaap

Mortgage Loans In Process Of Foreclosure Amount

MortgageLoansInProcessOfForeclosureAmount

341000

CY2020Q4

us-gaap

Number Of Real Estate Properties

NumberOfRealEstateProperties

0

CY2019Q4

us-gaap

Number Of Real Estate Properties

NumberOfRealEstateProperties

0

CY2020

us-gaap

Finitelived Intangible Assets Acquired1

FinitelivedIntangibleAssetsAcquired1

133000

CY2020

us-gaap

Acquired Finite Lived Intangible Assets Weighted Average Useful Life

AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife

P4Y8M12D

CY2020Q4

us-gaap

Finite Lived Intangible Assets Gross

FiniteLivedIntangibleAssetsGross

243000

CY2019Q4

us-gaap

Finite Lived Intangible Assets Gross

FiniteLivedIntangibleAssetsGross

243000

CY2020Q4

us-gaap

Finite Lived Intangible Assets Accumulated Amortization

FiniteLivedIntangibleAssetsAccumulatedAmortization

110000

CY2019Q4

us-gaap

Finite Lived Intangible Assets Accumulated Amortization

FiniteLivedIntangibleAssetsAccumulatedAmortization

94000

CY2020Q4

us-gaap

Finite Lived Intangible Assets Net

FiniteLivedIntangibleAssetsNet

133000

CY2019Q4

us-gaap

Finite Lived Intangible Assets Net

FiniteLivedIntangibleAssetsNet

149000

CY2020Q4

us-gaap

Finite Lived Intangible Assets Amortization Expense Next Twelve Months

FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths

16000

CY2020Q4

us-gaap

Finite Lived Intangible Assets Amortization Expense Year Two

FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo

16000

CY2020Q4

us-gaap

Time Deposits Less Than100000

TimeDepositsLessThan100000

296824000

CY2020Q4

us-gaap

Finite Lived Intangible Assets Amortization Expense Year Three

FiniteLivedIntangibleAssetsAmortizationExpenseYearThree

16000

CY2020Q4

us-gaap

Finite Lived Intangible Assets Amortization Expense Year Four

FiniteLivedIntangibleAssetsAmortizationExpenseYearFour

16000

CY2020Q4

us-gaap

Finite Lived Intangible Assets Amortization Expense Year Five

FiniteLivedIntangibleAssetsAmortizationExpenseYearFive

16000

CY2020Q4

us-gaap

Finite Lived Intangible Assets Amortization Expense After Year Five

FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive

53000

CY2020Q4

us-gaap

Deposits Savings Deposits

DepositsSavingsDeposits

103093000

CY2019Q4

us-gaap

Deposits Savings Deposits

DepositsSavingsDeposits

81926000

CY2020Q4

us-gaap

Time Deposit Maturities After Year Five

TimeDepositMaturitiesAfterYearFive

1534000

CY2019Q4

us-gaap

Time Deposits Less Than100000

TimeDepositsLessThan100000

301193000

CY2020Q4

pbhc

Time Deposits250000 Or More

TimeDeposits250000OrMore

100226000

CY2019Q4

pbhc

Time Deposits250000 Or More

TimeDeposits250000OrMore

120450000

CY2020Q4

pbhc

Deposits Money Management Accounts

DepositsMoneyManagementAccounts

15650000

CY2019Q4

pbhc

Deposits Money Management Accounts

DepositsMoneyManagementAccounts

14388000

CY2020Q4

us-gaap

Deposits Money Market Deposits

DepositsMoneyMarketDeposits

227970000

CY2019Q4

us-gaap

Deposits Money Market Deposits

DepositsMoneyMarketDeposits

185402000

CY2020Q4

us-gaap

Demand Deposit Accounts

DemandDepositAccounts

83129000

CY2019Q4

us-gaap

Demand Deposit Accounts

DemandDepositAccounts

64533000

CY2020Q4

pbhc

Mortgage Escrow Funds

MortgageEscrowFunds

6958000

CY2019Q4

pbhc

Mortgage Escrow Funds

MortgageEscrowFunds

6500000

CY2020Q4

us-gaap

Time Deposit Maturities Year One

TimeDepositMaturitiesYearOne

334868000

CY2020Q4

us-gaap

Time Deposit Maturities Year Two

TimeDepositMaturitiesYearTwo

9078000

CY2020Q4

us-gaap

Time Deposit Maturities Year Three

TimeDepositMaturitiesYearThree

3906000

CY2020Q4

us-gaap

Time Deposit Maturities Year Four

TimeDepositMaturitiesYearFour

2719000

CY2020Q4

us-gaap

Time Deposit Maturities Year Five

TimeDepositMaturitiesYearFive

44945000

CY2020Q4

us-gaap

Time Deposits

TimeDeposits

397050000

CY2020Q4

us-gaap

Federal Home Loan Bank Advances Maturities Summary Due Within One Year Of Balance Sheet Date

FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate

25969000

CY2020Q4

us-gaap

Federal Home Loan Bank Advances Maturities Summary Due From One To Two Years Of Balance Sheet Date

FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate

18227000

CY2020Q4

us-gaap

Federal Home Loan Bank Advances Maturities Summary Due After Five Years Of Balance Sheet Date

FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate

33834000

CY2020Q4

us-gaap

Advances From Federal Home Loan Banks

AdvancesFromFederalHomeLoanBanks

78030000

CY2020Q4

us-gaap

Long Term Debt Maturities Repayments Of Principal In Next Twelve Months

LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths

25969000

CY2020Q4

us-gaap

Long Term Debt Maturities Repayments Of Principal In Year Two

LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo

18227000

CY2020Q4

us-gaap

Long Term Debt Maturities Repayments Of Principal In Year Three

LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree

9506000

CY2020Q4

us-gaap

Long Term Debt Maturities Repayments Of Principal In Year Four

LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour

11422000

CY2020Q4

us-gaap

Long Term Debt Maturities Repayments Of Principal In Year Five

LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive

12907000

CY2020Q4

us-gaap

Subordinated Long Term Debt

SubordinatedLongTermDebt

39400000

CY2019Q4

us-gaap

Subordinated Long Term Debt

SubordinatedLongTermDebt

15128000

CY2020

pbhc

Minimum Years Of Service To Participate In Health And Life Insurance Benefits As Of January11995

MinimumYearsOfServiceToParticipateInHealthAndLifeInsuranceBenefitsAsOfJanuary11995

P14Y

CY2020

pbhc

Gains Or Losses Greater Of Benefit Obligation Or Fair Value Of Assets Amortized Over Average Remaining Service Period

GainsOrLossesGreaterOfBenefitObligationOrFairValueOfAssetsAmortizedOverAverageRemainingServicePeriod

0.10

CY2020

pbhc

Defined Benefit Plan Assumptions Used Calculating Benefit Obligation Long Term Inflation Rate

DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationLongTermInflationRate

0.025

CY2020

pbhc

Number Of Funds In Which Plan Assets Invested

NumberOfFundsInWhichPlanAssetsInvested

3

CY2020Q4

us-gaap

Defined Benefit Plan Expected Future Benefit Payments Next Twelve Months

DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths

393000

CY2020Q4

us-gaap

Defined Benefit Plan Expected Future Benefit Payments Year Two

DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo

420000

CY2020Q4

us-gaap

Defined Benefit Plan Expected Future Benefit Payments Year Three

DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree

495000

CY2020Q4

us-gaap

Defined Benefit Plan Expected Future Benefit Payments Year Four

DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour

513000

CY2020Q4

us-gaap

Defined Benefit Plan Expected Future Benefit Payments Year Five

DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive

574000

CY2020Q4

us-gaap

Defined Benefit Plan Expected Future Benefit Payments Five Fiscal Years Thereafter

DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter

3475000

CY2020

us-gaap

Defined Contribution Plan Cost Recognized

DefinedContributionPlanCostRecognized

395000

CY2019

us-gaap

Defined Contribution Plan Cost Recognized

DefinedContributionPlanCostRecognized

393000

CY2020

us-gaap

Defined Contribution Plan Employer Discretionary Contribution Amount

DefinedContributionPlanEmployerDiscretionaryContributionAmount

293000

CY2019

us-gaap

Defined Contribution Plan Employer Discretionary Contribution Amount

DefinedContributionPlanEmployerDiscretionaryContributionAmount

291000

CY2020

pbhc

Period For Involuntary Termination Or Resignation Following Change In Control

PeriodForInvoluntaryTerminationOrResignationFollowingChangeInControl

P24M

CY2020

pbhc

Period For Death Disability Or Termination Following Change In Control

PeriodForDeathDisabilityOrTerminationFollowingChangeInControl

P3Y

CY2020

pbhc

Period For Benefit Payment In Event Of Death Disability Or Termination Following Change In Control

PeriodForBenefitPaymentInEventOfDeathDisabilityOrTerminationFollowingChangeInControl

P24M

CY2020

pbhc

Number Of Annual Installments For Benefit Payments

NumberOfAnnualInstallmentsForBenefitPayments

10

CY2020

us-gaap

Current Income Tax Expense Benefit

CurrentIncomeTaxExpenseBenefit

2600000

CY2019

us-gaap

Current Income Tax Expense Benefit

CurrentIncomeTaxExpenseBenefit

1181000

CY2020

us-gaap

Deferred Income Tax Expense Benefit

DeferredIncomeTaxExpenseBenefit

-1305000

CY2020

us-gaap

Federal Income Tax Expense Benefit Continuing Operations

FederalIncomeTaxExpenseBenefitContinuingOperations

1093000

CY2019

us-gaap

Federal Income Tax Expense Benefit Continuing Operations

FederalIncomeTaxExpenseBenefitContinuingOperations

1244000

CY2020

us-gaap

State And Local Income Tax Expense Benefit Continuing Operations

StateAndLocalIncomeTaxExpenseBenefitContinuingOperations

202000

CY2019

us-gaap

State And Local Income Tax Expense Benefit Continuing Operations

StateAndLocalIncomeTaxExpenseBenefitContinuingOperations

-79000

CY2019Q4

us-gaap

Deferred Tax Liabilities Investments

DeferredTaxLiabilitiesInvestments

0

CY2019Q4

us-gaap

Deferred Tax Liabilities Property Plant And Equipment

DeferredTaxLiabilitiesPropertyPlantAndEquipment

1667000

CY2019Q4

us-gaap

Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Employee Compensation

DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation

970000

CY2019Q4

pbhc

Deferred Tax Liabilities Loan Origination Fees

DeferredTaxLiabilitiesLoanOriginationFees

29000

CY2019Q4

pbhc

Deferred Tax Assets Community Service Activities

DeferredTaxAssetsCommunityServiceActivities

22000

CY2019Q4

us-gaap

Deferred Tax Assets Hedging Transactions

DeferredTaxAssetsHedgingTransactions

0

CY2019Q4

us-gaap

Deferred Income Tax Liabilities

DeferredIncomeTaxLiabilities

4257000

CY2019Q4

pbhc

Deferred Tax Assets Liabilities Net Before Valuation Allowance

DeferredTaxAssetsLiabilitiesNetBeforeValuationAllowance

-90000

CY2019Q4

us-gaap

Deferred Tax Assets Other

DeferredTaxAssetsOther

587000

CY2019Q4

us-gaap

Deferred Tax Assets Gross

DeferredTaxAssetsGross

4167000

CY2019Q4

pbhc

Deferred Tax Liabilities Prepaid Pension

DeferredTaxLiabilitiesPrepaidPension

1331000

CY2019Q4

us-gaap

Deferred Tax Assets Valuation Allowance

DeferredTaxAssetsValuationAllowance

136000

CY2019Q4

us-gaap

Deferred Tax Liabilities

DeferredTaxLiabilities

226000

CY2019Q4

us-gaap

Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Postretirement Benefits

DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefits

108000

CY2019Q4

pbhc

Deferred Tax Assets Subordinated Loan Interest

DeferredTaxAssetsSubordinatedLoanInterest

22000

CY2019Q4

us-gaap

Deferred Tax Assets Investments

DeferredTaxAssetsInvestments

77000

CY2019Q4

pbhc

Deferred Tax Assets Loan Origination Fees

DeferredTaxAssetsLoanOriginationFees

0

CY2019Q4

pbhc

Deferred Tax Assets Held To Maturity Securities

DeferredTaxAssetsHeldToMaturitySecurities

14000

CY2019Q4

us-gaap

Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost

DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost

101000

CY2019Q4

pbhc

Deferred Tax Liabilities Accretion

DeferredTaxLiabilitiesAccretion

118000

CY2019Q4

us-gaap

Deferred Tax Liabilities Goodwill And Intangible Assets

DeferredTaxLiabilitiesGoodwillAndIntangibleAssets

1004000

CY2019Q4

us-gaap

Deferred Tax Liabilities Mortgage Servicing Rights

DeferredTaxLiabilitiesMortgageServicingRights

5000

CY2019Q4

us-gaap

Deferred Tax Liabilities Prepaid Expenses

DeferredTaxLiabilitiesPrepaidExpenses

103000

CY2020Q4

us-gaap

Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Employee Compensation

DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation

1063000

CY2020Q4

us-gaap

Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses

DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses

3339000

CY2020Q4

us-gaap

Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Postretirement Benefits

DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefits

96000

CY2020Q4

pbhc

Deferred Tax Assets Subordinated Loan Interest

DeferredTaxAssetsSubordinatedLoanInterest

25000

CY2020Q4

us-gaap

Deferred Tax Assets Investments

DeferredTaxAssetsInvestments

0

CY2020Q4

pbhc

Deferred Tax Assets Loan Origination Fees

DeferredTaxAssetsLoanOriginationFees

324000

CY2020Q4

pbhc

Deferred Tax Assets Held To Maturity Securities

DeferredTaxAssetsHeldToMaturitySecurities

6000

CY2020Q4

us-gaap

Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost

DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost

108000

CY2020Q4

pbhc

Deferred Tax Assets Community Service Activities

DeferredTaxAssetsCommunityServiceActivities

0

CY2020Q4

us-gaap

Deferred Tax Assets Hedging Transactions

DeferredTaxAssetsHedgingTransactions

342000

CY2020Q4

us-gaap

Deferred Tax Assets Other

DeferredTaxAssetsOther

702000

CY2020Q4

us-gaap

Deferred Tax Assets Gross

DeferredTaxAssetsGross

6005000

CY2020Q4

pbhc

Deferred Tax Liabilities Prepaid Pension

DeferredTaxLiabilitiesPrepaidPension

1648000

CY2020Q4

us-gaap

Deferred Tax Liabilities Investments

DeferredTaxLiabilitiesInvestments

296000

CY2020Q4

us-gaap

Deferred Tax Liabilities Property Plant And Equipment

DeferredTaxLiabilitiesPropertyPlantAndEquipment

1860000

CY2020Q4

pbhc

Deferred Tax Liabilities Accretion

DeferredTaxLiabilitiesAccretion

164000

CY2020Q4

us-gaap

Deferred Tax Liabilities Goodwill And Intangible Assets

DeferredTaxLiabilitiesGoodwillAndIntangibleAssets

1004000

CY2020Q4

us-gaap

Deferred Tax Liabilities Mortgage Servicing Rights

DeferredTaxLiabilitiesMortgageServicingRights

98000

CY2020Q4

us-gaap

Deferred Tax Liabilities Prepaid Expenses

DeferredTaxLiabilitiesPrepaidExpenses

115000

CY2020Q4

pbhc

Deferred Tax Liabilities Loan Origination Fees

DeferredTaxLiabilitiesLoanOriginationFees

0

CY2020Q4

us-gaap

Deferred Income Tax Liabilities

DeferredIncomeTaxLiabilities

5185000

CY2020Q4

pbhc

Deferred Tax Assets Liabilities Net Before Valuation Allowance

DeferredTaxAssetsLiabilitiesNetBeforeValuationAllowance

820000

CY2020Q4

us-gaap

Deferred Tax Assets Valuation Allowance

DeferredTaxAssetsValuationAllowance

0

CY2020Q4

us-gaap

Deferred Tax Assets Liabilities Net

DeferredTaxAssetsLiabilitiesNet

820000

CY2020

us-gaap

Increase Decrease In Deferred Income Taxes

IncreaseDecreaseInDeferredIncomeTaxes

0

CY2020

us-gaap

Effective Income Tax Rate Continuing Operations

EffectiveIncomeTaxRateContinuingOperations

0.159

CY2019

us-gaap

Effective Income Tax Rate Continuing Operations

EffectiveIncomeTaxRateContinuingOperations

0.214

CY2020

us-gaap

Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate

EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate

0.210

CY2019

us-gaap

Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate

EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate

0.210

CY2020

us-gaap

Effective Income Tax Rate Reconciliation State And Local Income Taxes

EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes

0.020

CY2019

us-gaap

Effective Income Tax Rate Reconciliation State And Local Income Taxes

EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes

-0.015

CY2020

us-gaap

Effective Income Tax Rate Reconciliation Tax Exempt Income

EffectiveIncomeTaxRateReconciliationTaxExemptIncome

0.009

CY2019

us-gaap

Effective Income Tax Rate Reconciliation Tax Exempt Income

EffectiveIncomeTaxRateReconciliationTaxExemptIncome

0.009

CY2020

pbhc

Effective Income Tax Rate Reconciliation Increase In Value Of Bank Owned Life Insurance Less Premium Paid

EffectiveIncomeTaxRateReconciliationIncreaseInValueOfBankOwnedLifeInsuranceLessPremiumPaid

0.011

CY2019

pbhc

Effective Income Tax Rate Reconciliation Increase In Value Of Bank Owned Life Insurance Less Premium Paid

EffectiveIncomeTaxRateReconciliationIncreaseInValueOfBankOwnedLifeInsuranceLessPremiumPaid

0.017

CY2020

us-gaap

Effective Income Tax Rate Reconciliation Change In Deferred Tax Assets Valuation Allowance

EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance

-0.016

CY2019

us-gaap

Effective Income Tax Rate Reconciliation Change In Deferred Tax Assets Valuation Allowance

EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance

0.025

CY2020

pbhc

Effective Income Tax Rate Reconciliation Net Operating Loss Carry Back Receivable Net Of Federal Benfit

EffectiveIncomeTaxRateReconciliationNetOperatingLossCarryBackReceivableNetOfFederalBenfit

-0.038

CY2020

us-gaap

Effective Income Tax Rate Reconciliation Other Adjustments

EffectiveIncomeTaxRateReconciliationOtherAdjustments

-0.001

CY2019

us-gaap

Effective Income Tax Rate Reconciliation Other Adjustments

EffectiveIncomeTaxRateReconciliationOtherAdjustments

0.019

CY2020

us-gaap

Effective Income Tax Rate Reconciliation Minority Interest Income Expense

EffectiveIncomeTaxRateReconciliationMinorityInterestIncomeExpense

-0.004

CY2019

us-gaap

Effective Income Tax Rate Reconciliation Minority Interest Income Expense

EffectiveIncomeTaxRateReconciliationMinorityInterestIncomeExpense

-0.001

CY2020Q4

pbhc

Loan Commitments Outstanding With Variable Interest Rates

LoanCommitmentsOutstandingWithVariableInterestRates

149600000

CY2019Q4

pbhc

Loan Commitments Outstanding With Fixed Interest Rates

LoanCommitmentsOutstandingWithFixedInterestRates

19600000

CY2020Q4

pbhc

Term Of Letters Of Credit Maximum

TermOfLettersOfCreditMaximum

P1Y

CY2020Q4

us-gaap

Amount Available For Dividend Distribution Without Affecting Capital Adequacy Requirements

AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements

17800000

CY2020

us-gaap

Proceeds From Dividends Received

ProceedsFromDividendsReceived

0

CY2019

us-gaap

Proceeds From Dividends Received

ProceedsFromDividendsReceived

0

CY2018

us-gaap

Proceeds From Dividends Received

ProceedsFromDividendsReceived

0

CY2020Q4

us-gaap

Description Of Regulatory Requirements Capital Adequacy Purposes

DescriptionOfRegulatoryRequirementsCapitalAdequacyPurposes

The federal banking agencies have set the Community Bank Leverage Ratio at 9%. Pursuant to the CARES Act, the federal banking agencies issued final rules to set the Community Bank Leverage Ratio at 8% beginning in the second quarter of 2020 through the end of 2020. Beginning in 2021, the Community Bank Leverage Ratio will increase to 8.5% for the calendar year. Community banks will have until January 1, 2022, before the Community Bank Leverage Ratio requirement will return to 9%. A financial institution can elect to be subject to this new definition. The new rule took effect on January 1, 2020.

CY2020Q4

pbhc

Community Bank Leverage Ratio Amount

CommunityBankLeverageRatioAmount

10000000000

CY2020Q4

pbhc

Common Equity Tier One Capital To Risk Weighted Assets

CommonEquityTierOneCapitalToRiskWeightedAssets

0.025

CY2019Q1

pbhc

Capital Conservation Buffer Percentage Of Risk Weighted Assets

CapitalConservationBufferPercentageOfRiskWeightedAssets

0.025

CY2020Q4

us-gaap

Capital

115289000

CY2020Q4

us-gaap

Tier One Risk Based Capital

TierOneRiskBasedCapital

104287000

CY2020Q4

pbhc

Tier One Risk Based Common Equity

TierOneRiskBasedCommonEquity

104287000

CY2020Q4

us-gaap

Tier One Leverage Capital

TierOneLeverageCapital

104287000

CY2019Q4

us-gaap

Capital

95093000

CY2019Q4

us-gaap

Tier One Risk Based Capital

TierOneRiskBasedCapital

86424000

CY2019Q4

pbhc

Tier One Risk Based Common Equity

TierOneRiskBasedCommonEquity

86424000

CY2019Q4

us-gaap

Tier One Leverage Capital

TierOneLeverageCapital

86424000

CY2020Q4

us-gaap

Capital To Risk Weighted Assets

CapitalToRiskWeightedAssets

0.1313

CY2020Q4

us-gaap

Tier One Risk Based Capital To Risk Weighted Assets

TierOneRiskBasedCapitalToRiskWeightedAssets

0.1187

CY2020Q4

pbhc

Tier One Risk Based Common Equity To Risk Weighted Assets

TierOneRiskBasedCommonEquityToRiskWeightedAssets

0.1187

CY2020Q4

us-gaap

Tier One Leverage Capital To Average Assets

TierOneLeverageCapitalToAverageAssets

0.0863

CY2019Q4

us-gaap

Capital To Risk Weighted Assets

CapitalToRiskWeightedAssets

0.1228

CY2019Q4

us-gaap

Tier One Risk Based Capital To Risk Weighted Assets

TierOneRiskBasedCapitalToRiskWeightedAssets

0.1116

CY2019Q4

pbhc

Tier One Risk Based Common Equity To Risk Weighted Assets

TierOneRiskBasedCommonEquityToRiskWeightedAssets

0.1116

CY2019Q4

us-gaap

Tier One Leverage Capital To Average Assets

TierOneLeverageCapitalToAverageAssets

0.0820

CY2020Q4

us-gaap

Capital Required For Capital Adequacy

CapitalRequiredForCapitalAdequacy

70270000

CY2020Q4

us-gaap

Tier One Risk Based Capital Required For Capital Adequacy

TierOneRiskBasedCapitalRequiredForCapitalAdequacy

52703000

CY2020Q4

pbhc

Tier One Risk Based Common Equity To Capital Required For Capital Adequacy

TierOneRiskBasedCommonEquityToCapitalRequiredForCapitalAdequacy

39527000

CY2020Q4

us-gaap

Tier One Leverage Capital Required For Capital Adequacy

TierOneLeverageCapitalRequiredForCapitalAdequacy

48314000

CY2019Q4

us-gaap

Capital Required For Capital Adequacy

CapitalRequiredForCapitalAdequacy

61934000

CY2019Q4

us-gaap

Tier One Risk Based Capital Required For Capital Adequacy

TierOneRiskBasedCapitalRequiredForCapitalAdequacy

46451000

CY2019Q4

pbhc

Tier One Risk Based Common Equity To Capital Required For Capital Adequacy

TierOneRiskBasedCommonEquityToCapitalRequiredForCapitalAdequacy

34838000

CY2019Q4

us-gaap

Tier One Leverage Capital Required For Capital Adequacy

TierOneLeverageCapitalRequiredForCapitalAdequacy

42175000

CY2020Q4

us-gaap

Capital Required For Capital Adequacy To Risk Weighted Assets

CapitalRequiredForCapitalAdequacyToRiskWeightedAssets

0.0800

CY2020Q4

us-gaap

Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets

TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets

0.0600

CY2020Q4

pbhc

Tier One Risk Based Common Equity For Capital Adequacy To Risk Weighted Assets

TierOneRiskBasedCommonEquityForCapitalAdequacyToRiskWeightedAssets

0.0450

CY2020Q4

us-gaap

Tier One Leverage Capital Required For Capital Adequacy To Average Assets

TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets

0.0400

CY2019Q4

us-gaap

Capital Required For Capital Adequacy To Risk Weighted Assets

CapitalRequiredForCapitalAdequacyToRiskWeightedAssets

0.0800

CY2019Q4

us-gaap

Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets

TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets

0.0600

CY2019Q4

pbhc

Tier One Risk Based Common Equity For Capital Adequacy To Risk Weighted Assets

TierOneRiskBasedCommonEquityForCapitalAdequacyToRiskWeightedAssets

0.0450

CY2019Q4

us-gaap

Tier One Leverage Capital Required For Capital Adequacy To Average Assets

TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets

0.0400

CY2020Q4

us-gaap

Capital Required To Be Well Capitalized

CapitalRequiredToBeWellCapitalized

87838000

CY2020Q4

us-gaap

Tier One Risk Based Capital Required To Be Well Capitalized

TierOneRiskBasedCapitalRequiredToBeWellCapitalized

70270000

CY2020Q4

pbhc

Tier One Risk Based Common Equityt To Be Well Capitalized

TierOneRiskBasedCommonEquitytToBeWellCapitalized

57095000

CY2019Q4

us-gaap

Capital Required To Be Well Capitalized To Risk Weighted Assets

CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets

0.1000

CY2019Q4

us-gaap

Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets

TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets

0.0800

CY2019Q4

pbhc

Tier One Risk Based Common Equity To Be Well Capitalized To Risk Weighted Assets

TierOneRiskBasedCommonEquityToBeWellCapitalizedToRiskWeightedAssets

0.0650

CY2020Q4

us-gaap

Finance Lease Weighted Average Remaining Lease Term1

FinanceLeaseWeightedAverageRemainingLeaseTerm1

P28Y5M1D

CY2019Q4

us-gaap

Operating Lease Weighted Average Remaining Lease Term1

OperatingLeaseWeightedAverageRemainingLeaseTerm1

P19Y6M29D

CY2020Q4

us-gaap

Tier One Leverage Capital Required To Be Well Capitalized To Average Assets

TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets

0.0500

CY2020Q4

us-gaap

Tier One Leverage Capital Required To Be Well Capitalized

TierOneLeverageCapitalRequiredToBeWellCapitalized

60392000

CY2019Q4

us-gaap

Capital Required To Be Well Capitalized

CapitalRequiredToBeWellCapitalized

77418000

CY2019Q4

us-gaap

Tier One Risk Based Capital Required To Be Well Capitalized

TierOneRiskBasedCapitalRequiredToBeWellCapitalized

61934000

CY2019Q4

pbhc

Tier One Risk Based Common Equityt To Be Well Capitalized

TierOneRiskBasedCommonEquitytToBeWellCapitalized

50322000

CY2019Q4

us-gaap

Tier One Leverage Capital Required To Be Well Capitalized

TierOneLeverageCapitalRequiredToBeWellCapitalized

52719000

CY2020Q4

us-gaap

Capital Required To Be Well Capitalized To Risk Weighted Assets

CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets

0.1000

CY2020Q4

us-gaap

Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets

TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets

0.0800

CY2020Q4

pbhc

Tier One Risk Based Common Equity To Be Well Capitalized To Risk Weighted Assets

TierOneRiskBasedCommonEquityToBeWellCapitalizedToRiskWeightedAssets

0.0650

CY2019Q4

us-gaap

Tier One Leverage Capital Required To Be Well Capitalized To Average Assets

TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets

0.0500

CY2020Q4

pbhc

Capital Required To Be Well Capitalized With Buffer

CapitalRequiredToBeWellCapitalizedWithBuffer

92230000

CY2020Q4

pbhc

Tier One Risk Based Capital Required To Be Well Capitalized With Buffer

TierOneRiskBasedCapitalRequiredToBeWellCapitalizedWithBuffer

74662000

CY2020Q4

pbhc

Tier One Risk Based Common Equity To Be Well Capitalized With Buffer

TierOneRiskBasedCommonEquityToBeWellCapitalizedWithBuffer

61487000

CY2020Q4

pbhc

Tier One Leverage Capital Required To Be Well Capitalized With Buffer

TierOneLeverageCapitalRequiredToBeWellCapitalizedWithBuffer

60392000

CY2019Q4

pbhc

Capital Required To Be Well Capitalized With Buffer

CapitalRequiredToBeWellCapitalizedWithBuffer

81289000

CY2019Q4

pbhc

Tier One Risk Based Capital Required To Be Well Capitalized With Buffer

TierOneRiskBasedCapitalRequiredToBeWellCapitalizedWithBuffer

65805000

CY2019Q4

pbhc

Tier One Risk Based Common Equity To Be Well Capitalized With Buffer

TierOneRiskBasedCommonEquityToBeWellCapitalizedWithBuffer

54192000

CY2019Q4

pbhc

Tier One Leverage Capital Required To Be Well Capitalized With Buffer

TierOneLeverageCapitalRequiredToBeWellCapitalizedWithBuffer

52719000

CY2020Q4

pbhc

Capital Required To Be Well Capitalized With Buffer To Risk Weighted Assets

CapitalRequiredToBeWellCapitalizedWithBufferToRiskWeightedAssets

0.1050

CY2020Q4

pbhc

Tier One Risk Based Capital Required To Be Well Capitalized With Buffer To Risk Weighted Assets

TierOneRiskBasedCapitalRequiredToBeWellCapitalizedWithBufferToRiskWeightedAssets

0.0850

CY2020Q4

pbhc

Tier One Risk Based Common Equity To Be Well Capitalized With Buffer To Risk Weighted Assets

TierOneRiskBasedCommonEquityToBeWellCapitalizedWithBufferToRiskWeightedAssets

0.0700

CY2020Q4

pbhc

Tier One Leverage Capital Required To Be Well Capitalized With Buffer To Average Assets

TierOneLeverageCapitalRequiredToBeWellCapitalizedWithBufferToAverageAssets

0.0500

CY2019Q4

pbhc

Capital Required To Be Well Capitalized With Buffer To Risk Weighted Assets

CapitalRequiredToBeWellCapitalizedWithBufferToRiskWeightedAssets

0.1050

CY2019Q4

pbhc

Tier One Risk Based Capital Required To Be Well Capitalized With Buffer To Risk Weighted Assets

TierOneRiskBasedCapitalRequiredToBeWellCapitalizedWithBufferToRiskWeightedAssets

0.0850

CY2019Q4

pbhc

Tier One Risk Based Common Equity To Be Well Capitalized With Buffer To Risk Weighted Assets

TierOneRiskBasedCommonEquityToBeWellCapitalizedWithBufferToRiskWeightedAssets

0.0700

CY2019Q4

pbhc

Tier One Leverage Capital Required To Be Well Capitalized With Buffer To Average Assets

TierOneLeverageCapitalRequiredToBeWellCapitalizedWithBufferToAverageAssets

0.0500

CY2020Q1

pbhc

Banking Regulation Reserve Requirement Ratio

BankingRegulationReserveRequirementRatio

0

CY2019Q4

us-gaap

Derivative Amount Of Hedged Item

DerivativeAmountOfHedgedItem

0

CY2020

us-gaap

Derivative Gain Loss On Derivative Net

DerivativeGainLossOnDerivativeNet

-1308000

CY2014Q4

us-gaap

Common Stock Shares Outstanding

CommonStockSharesOutstanding

4353850

CY2020

us-gaap

Other Comprehensive Income Loss Before Reclassifications Net Of Tax

OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax

1246000

CY2020

us-gaap

Reclassification From Accumulated Other Comprehensive Income Current Period Net Of Tax

ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax

-511000

CY2019

us-gaap

Other Comprehensive Income Loss Before Reclassifications Net Of Tax

OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax

3067000

CY2019

us-gaap

Reclassification From Accumulated Other Comprehensive Income Current Period Net Of Tax

ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax

4000

CY2020

us-gaap

Noninterest Income Other

NoninterestIncomeOther

126000

CY2019

us-gaap

Noninterest Income Other

NoninterestIncomeOther

126000

CY2020

us-gaap

Lessee Operating Lease Option To Extend

LesseeOperatingLeaseOptionToExtend

Our leases have remaining lease terms that vary from less than one year up to 30 years, some of which include options to extend the leases for various renewal periods.

CY2020

us-gaap

Lessee Operating Lease Existence Of Option To Extend

LesseeOperatingLeaseExistenceOfOptionToExtend

true

CY2020

us-gaap

Operating Lease Cost

OperatingLeaseCost

241000

CY2019

us-gaap

Operating Lease Cost

OperatingLeaseCost

240000

CY2020

pbhc

Finance Lease Cost

FinanceLeaseCost

80000

CY2019

pbhc

Finance Lease Cost

FinanceLeaseCost

51000

CY2020

us-gaap

Operating Lease Payments

OperatingLeasePayments

221000

CY2019

us-gaap

Operating Lease Payments

OperatingLeasePayments

215000

CY2020

us-gaap

Finance Lease Interest Payment On Liability

FinanceLeaseInterestPaymentOnLiability

80000

CY2019

us-gaap

Finance Lease Interest Payment On Liability

FinanceLeaseInterestPaymentOnLiability

51000

CY2020

us-gaap

Finance Lease Principal Payments

FinanceLeasePrincipalPayments

71000

CY2019

us-gaap

Finance Lease Principal Payments

FinanceLeasePrincipalPayments

46000

CY2020Q4

us-gaap

Finance Lease Liability

FinanceLeaseLiability

587000

CY2019Q4

us-gaap

Finance Lease Liability

FinanceLeaseLiability

578000

CY2020Q4

us-gaap

Operating Lease Weighted Average Remaining Lease Term1

OperatingLeaseWeightedAverageRemainingLeaseTerm1

P19Y29D

CY2020Q4

us-gaap

Operating Lease Weighted Average Discount Rate Percent

OperatingLeaseWeightedAverageDiscountRatePercent

0.0373

CY2019Q4

us-gaap

Operating Lease Weighted Average Discount Rate Percent

OperatingLeaseWeightedAverageDiscountRatePercent

0.0371

CY2020Q4

us-gaap

Lessee Finance Lease Discount Rate

LesseeFinanceLeaseDiscountRate

0.1375

CY2019Q4

us-gaap

Finance Lease Weighted Average Remaining Lease Term1

FinanceLeaseWeightedAverageRemainingLeaseTerm1

P29Y5M1D

CY2019Q4

us-gaap

Lessee Finance Lease Discount Rate

LesseeFinanceLeaseDiscountRate

0.1375

CY2020Q4

us-gaap

Lessee Operating Lease Liability Payments Due Next Rolling Twelve Months

LesseeOperatingLeaseLiabilityPaymentsDueNextRollingTwelveMonths

99000

CY2020Q4

us-gaap

Lessee Operating Lease Liability Payments Due In Rolling Year Two

LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearTwo

99000

CY2020Q4

us-gaap

Lessee Operating Lease Liability Payments Due In Rolling Year Three

LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearThree

110000

CY2020Q4

us-gaap

Lessee Operating Lease Liability Payments Due In Rolling Year Four

LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFour

118000

CY2020Q4

us-gaap

Lessee Operating Lease Liability Payments Due In Rolling Year Five

LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFive

126000

CY2020Q4

us-gaap

Lessee Operating Lease Liability Payments Due After Rolling Year Five

LesseeOperatingLeaseLiabilityPaymentsDueAfterRollingYearFive

2560000

CY2020Q4

us-gaap

Lessee Operating Lease Liability Payments Due

LesseeOperatingLeaseLiabilityPaymentsDue

3112000

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$PBHC
Pathfinder Bancorp, Inc. Stock $pbhc

2020 Q4 Form 10-K Financial Statement

#000156459021016744 Filed on March 30, 2021

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$PBHC Pathfinder Bancorp, Inc. Stock $pbhc

2020 Q4 Form 10-K Financial Statement

#000156459021016744 Filed on March 30, 2021

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$PBHC
Pathfinder Bancorp, Inc. Stock $pbhc