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CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Interest and dividend income:    
Loans, including fees $ 16,347 $ 16,082
Debt securities:    
Taxable 1,574 1,762
Tax-exempt 762 728
Dividends 174 165
Interest earning time deposits 19 24
Federal funds sold and interest earning deposits 7 4
Total interest income 18,883 18,765
Interest expense:    
Interest on deposits 2,478 2,896
Interest on short-term borrowings 60 26
Interest on long-term borrowings 726 986
Total interest expense 3,264 3,908
Net interest income 15,619 14,857
Provision for loan losses 1,032 825
Net interest income after provision for loan losses 14,587 14,032
Noninterest income:    
Service charges on deposit accounts 1,175 1,112
Earnings and gain on bank owned life insurance 224 309
Loan servicing fees 146 211
Net gains on sales and redemptions of investment securities 365 375
Net gains on sales of loans and foreclosed real estate 470 61
Debit card interchange fees 469 426
Other charges, commissions & fees 567 569
Total noninterest income 3,416 3,063
Noninterest expense:    
Salaries and employee benefits 8,081 7,496
Building occupancy 1,476 1,427
Data processing 1,444 1,437
Professional and other services 659 654
Amortization of intangible assets 1 0
Advertising 537 453
FDIC assessments 415 311
Audits and exams 219 248
Other expenses 1,919 1,492
Total noninterest expenses 14,751 13,518
Income before income taxes 3,252 3,577
Provision for income taxes 847 929
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc. 2,405 2,648
Net loss attributable to noncontrolling interest (1) 0
Net Income 2,406 2,648
Preferred stock dividends 0 449
Net income available to common shareholders $ 2,406 $ 2,199
Earnings per common share - basic (in dollars per share) $ 0.96 $ 0.88
Earnings per common share - diluted (in dollars per share) $ 0.95 $ 0.87
Dividends per common share (in dollars per share) $ 0.12 $ 0.12