PATHFINDER BANCORP, INC. Financial Reports

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:· PATHFINDER BANCORP, INC.

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Off Balance Sheet
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PATHFINDER BANCORP, INC.

Institution Profile

Year Opened :

1997

Institution Type :

Holding Company

Reserve District :

New York

Federal Regulator :

FED

Entity Type :

Financial Holding Company - Domestic

Fiscal Year End :

12/31

Structure :

Corporation (stock)

S-Corp :

SEC Submissions :

PATHFINDER BANCORP, INC.

External Auditor :

Bonadio Group

Related Bank / Thrift	Assets	Asset Concentration
Pathfinder Bank	1,475,182	Commercial Lending Specialization

Financial Fast Facts
Balance Sheet (USD, in thousands)		Income Statement (USD, in thousands, ytd)

Total Assets	153,842	Total Operating Income	75
Total Liabilities	31,256	Total Operating Expenses	2,587
Total Equity Capital	122,586	Equity in Undistributed Income	6,797
		Net income (loss)	4,828

Miscellaneous
Cash Dividends Declared by Bank Holding Company	2,490
Total Consolidated Assets of Bank Holding Company	153,842

Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury