Call reports 2009
PCSB BANK — 2009
What PCSB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 931,191,000 | 936,546,000 | 935,267,000 | 942,838,000 |
| Total loans | 516,420,000 | 526,081,000 | 531,545,000 | 528,737,000 |
| Allowance for loan losses | 3,517,000 | 4,085,000 | 4,519,000 | 4,721,000 |
| Securities available for sale | 79,849,000 | 80,015,000 | 71,571,000 | 67,560,000 |
| Securities held to maturity | 254,350,000 | 263,469,000 | 273,413,000 | 277,691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 823,706,000 | 828,818,000 | 826,600,000 | 833,147,000 |
| Interest-bearing deposits | 740,385,000 | 743,543,000 | 738,540,000 | 741,066,000 |
| Noninterest-bearing deposits | 83,321,000 | 85,275,000 | 88,060,000 | 92,081,000 |
| Equity capital | 102,703,000 | 100,632,000 | 101,500,000 | 102,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,873,000 | 19,913,000 | 29,635,000 | 39,452,000 |
| Interest expense | 4,217,000 | 8,018,000 | 11,539,000 | 14,822,000 |
| Net interest income | 5,656,000 | 11,895,000 | 18,096,000 | 24,630,000 |
| Noninterest income | 364,000 | 748,000 | 1,158,000 | 1,567,000 |
| Noninterest expense | 4,630,000 | 10,126,000 | 15,104,000 | 20,315,000 |
| Provision for loan losses | 272,000 | 918,000 | 1,346,000 | 1,548,000 |
| Pretax income | 1,093,000 | 1,529,000 | 2,674,000 | 4,180,000 |
| Income tax | 331,000 | 466,000 | 816,000 | 1,277,000 |
| Net income | 762,000 | 1,063,000 | 1,858,000 | 2,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,489,000 | 103,714,000 | 104,509,000 | 105,553,000 |
| Total capital | 107,006,000 | 107,799,000 | 109,030,000 | 110,275,000 |
| Risk-weighted assets | 524,603,000 | 539,971,000 | 542,838,000 | 539,396,000 |