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Pathfinder Bank

Oswego, NY · Cert 15977

FDIC · 9 branches

Q1 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pathfinder Bank

Oswego, NY · Cert 15977

FDIC · 9 branches

Q1 2016

$664.6MAssets
$434.2MLoans
$548.3MDeposits
$65.4MEquity
Loan mix
85%RE $349.0M13%C&I $54.7M1%Consumer $4.9MQ1 2015Q1 2016
Deposit mix
86%Interest-bearing $469.9M14%Noninterest $78.4MQ1 2015Q1 2016

NIM

3.73%Q1 ’143.51%Q1 ’153.54%Q1 ’16-2%0%

Non-interest income vs. expense

3.01%Q1 ’142.84%Q1 ’152.84%Q1 ’16-3%-1%

Market Position · Syracuse, NY · 2015 SOD (annual) · 3.9% share · #9 of 20 inst. · $0.5B of $12.0B

23.0% Oswego
0.8% Onondaga

Executive Summary

  • Earnings: ROA of 0.53%, up 12 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.76%, down 49 bps from a year ago.
  • Funding: loans stand at 79.19% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

0.53%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.15%-1 bps YoY

Efficiency Ratio (YTD, annualized)

77.51%-18 bps YoY

Tier 1 Leverage Ratio

9.76%-49 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.41%0.46%0.52%0.55%0.53%+12 bps
Return on Equity3.84%4.35%4.90%5.20%5.28%+144 bps
Net Interest Margin3.16%3.14%3.17%3.10%3.15%-1 bps
Efficiency Ratio77.69%75.91%75.87%75.81%77.51%-18 bps
Non-Interest Burden2.32%2.24%2.25%2.20%2.30%-2 bps
Growth
Asset Growth (YoY)15.24%10.22%6.59%11.04%9.61%-563 bps
Loan Growth (YoY)12.20%12.44%10.83%11.07%11.15%-105 bps
Deposit Growth (YoY)12.59%4.70%5.03%19.51%10.54%-204 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.28%0.12%0.20%0.23%0.06%-22 bps
Allowance / Loans1.40%1.46%1.38%1.33%1.35%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.25%10.12%10.23%10.00%9.76%-49 bps
Total Risk-Based Capital16.11%16.75%16.70%16.22%16.15%+4 bps
Equity / Assets10.26%10.41%10.51%10.30%9.84%-42 bps
Liquidity & Funding
Loans / Deposits78.76%85.67%81.56%84.04%79.19%+43 bps
Liquid Assets / Assets9.93%8.99%8.24%7.79%8.29%-164 bps
CRE / Total Capitaln/an/an/an/an/an/an/a