Company:  PATHFINDER BANCORP, INC. (PBHC)
Form Type:  10-Q
Filing Date:  8/11/2017 
CIK:  0001609065 
Address:  214 WEST FIRST STREET 
City, State, Zip:  OSWEGO, New York 13126 
Telephone:  (315) 343-0057 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$15.27  
Change: 
-0.0353 (-0.23%)  
Trade Time: 
03:08 PM EST  
Market Cap: 
$65.35M
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Description of Business
Pathfinder Bancorp, Inc. (the "Company") is a Maryland corporation headquartered in Oswego, New York. The primary business of the Company is its investment in Pathfinder Bank (the "Bank") which is 100% owned by the Company. Pathfinder Bank is a commercial bank chartered by the New York State Department of Financial Services (the "NYSDFS"). The Bank provides loans to, and gathers deposits from, customers primarily within Oswego and Onondaga Counties in Central New York State. At December 31, 2016 and 2015, 4,236,744 and 4,353,850 shares of Company common stock were outstanding, respectively. On October 15, 2015, the Company executed a $10.0 million non-amortizing subordinated loan agreement ("subordinated loan") with an unrelated third party that is scheduled to mature on October 1, 2025. The Company has the right to prepay the subordinated loan at any time after October 15, 2020 without penalty.
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  FORM 10-Q
    PART I - FINANCIAL INFORMATION
      Item 1 - Consolidated Financial Statements
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        CASH FLOW
        Notes to Consolidated Financial Statements (Unaudited)
      Item 2 - Management's Discussion and Analysis of Financial ...
      Item 3 - Quantitative and Qualitative Disclosures About ...
      Item 4 - Controls and Procedures
    PART II - OTHER INFORMATION
      Item 1 - Legal Proceedings
      Item 1A - Risk Factors
      Item 2 - Unregistered Sales of Equity Securities and Use of ...
      Item 3 - Defaults Upon Senior Securities
      Item 4 - Mine Safety Disclosures
      Item 5 - Other Information
      Item 6 - Exhibits
    SIGNATURES
  EXHIBIT 31.1
    Certification of Chief Executive Officer
  EXHIBIT 31.2
    Certification of Chief Financial Officer
  EXHIBIT 32
    EXHIBIT 32 Section 1350 Certification of the Chief Executive ...