Call reports 2004
PCSB BANK — 2004
What PCSB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 861,196,000 | 884,059,000 | 906,403,000 | 894,376,000 |
| Total loans | 323,924,000 | 329,120,000 | 331,213,000 | 336,735,000 |
| Allowance for loan losses | 2,241,000 | 2,345,000 | 2,424,000 | 2,519,000 |
| Securities available for sale | 84,473,000 | 80,765,000 | 78,964,000 | 78,489,000 |
| Securities held to maturity | 341,569,000 | 359,614,000 | 379,477,000 | 380,580,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 781,764,000 | 806,227,000 | 826,195,000 | 812,472,000 |
| Interest-bearing deposits | 691,422,000 | 710,167,000 | 726,836,000 | 715,942,000 |
| Noninterest-bearing deposits | 90,342,000 | 96,060,000 | 99,359,000 | 96,530,000 |
| Equity capital | 75,721,000 | 76,008,000 | 78,508,000 | 80,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,878,000 | 17,768,000 | 26,928,000 | 36,487,000 |
| Interest expense | 2,679,000 | 5,405,000 | 8,323,000 | 11,504,000 |
| Net interest income | 6,199,000 | 12,363,000 | 18,605,000 | 24,983,000 |
| Noninterest income | 340,000 | 672,000 | 985,000 | 1,258,000 |
| Noninterest expense | 3,391,000 | 6,831,000 | 10,500,000 | 14,233,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 3,058,000 | 6,024,000 | 8,818,000 | 11,648,000 |
| Income tax | 1,147,000 | 2,229,000 | 3,263,000 | 4,310,000 |
| Net income | 1,911,000 | 3,795,000 | 5,555,000 | 7,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,171,000 | 76,055,000 | 77,815,000 | 79,598,000 |
| Total capital | 76,413,000 | 78,401,000 | 80,240,000 | 82,119,000 |
| Risk-weighted assets | 359,779,000 | 369,845,000 | 382,035,000 | 387,501,000 |
Machine access — free, no API key
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