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Consolidated Statements of Income (Unaudited) - USD ($)
3 Months Ended
Mar. 31, 2020
Mar. 31, 2019
Interest and dividend income:    
Loans, including fees $ 9,242,000 $ 7,575,000
Debt securities:    
Taxable 1,692,000 1,799,000
Tax-exempt 7,000 108,000
Dividends 70,000 77,000
Federal funds sold and interest earning deposits 32,000 110,000
Total interest and dividend income 11,043,000 9,669,000
Interest expense:    
Interest on deposits 2,556,000 2,345,000
Interest on short-term borrowings 57,000 167,000
Interest on long-term borrowings 445,000 393,000
Interest on subordinated loans 206,000 217,000
Total interest expense 3,264,000 3,122,000
Net interest income 7,779,000 6,547,000
Provision for loan losses 1,067,000 144,000
Net interest income after provision for loan losses 6,712,000 6,403,000
Noninterest income:    
Earnings and gain on bank owned life insurance 116,000 121,000
Net gains on sales and redemptions of investment securities 26,000 79,000
(Losses) gains on marketable equity securities (194,000) 41,000
Net gains (losses) on sales of loans and foreclosed real estate 672,000 (8,000)
Insurance agency revenue 337,000 243,000
Total noninterest income 1,748,000 1,093,000
Noninterest expense:    
Salaries and employee benefits 3,247,000 3,650,000
Building and occupancy 754,000 655,000
Data processing 600,000 574,000
Professional and other services 316,000 336,000
Advertising 176,000 239,000
FDIC assessments 189,000 111,000
Audits and exams 125,000 100,000
Insurance agency expense 192,000 199,000
Community service activities 107,000 138,000
Foreclosed real estate expenses 30,000 237,000
Other expenses 509,000 472,000
Total noninterest expense 6,245,000 6,711,000
Income before income taxes 2,215,000 785,000
Provision for income taxes 455,000 251,000
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc. 1,760,000 534,000
Net income attributable to noncontrolling interest 70,000 20,000
Net income attributable to Pathfinder Bancorp Inc. 1,690,000 514,000
Convertible preferred stock dividends 69,000  
Warrant dividends 8,000  
Undistributed earnings allocated to participating securities 290,000  
Net income available to common shareholders $ 1,323,000 $ 514,000
Earnings per common share - basic $ 0.29 $ 0.12
Earnings per common share - diluted 0.29 0.12
Dividends per common share $ 0.06 $ 0.06
Service Charges on Deposit Accounts [Member]    
Noninterest income:    
Noninterest income $ 356,000 $ 282,000
Loan Servicing Fees [Member]    
Noninterest income:    
Noninterest income 49,000 27,000
Debit Card Interchange Fees [Member]    
Noninterest income:    
Noninterest income 163,000 144,000
Other Charges, Commissions & Fees [Member]    
Noninterest income:    
Noninterest income $ 223,000 $ 164,000