Call reports 2012
PCSB BANK — 2012
What PCSB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 967,994,000 | 975,642,000 | 963,558,000 | 961,351,000 |
| Total loans | 469,938,000 | 465,194,000 | 460,583,000 | 453,940,000 |
| Allowance for loan losses | 4,985,000 | 4,945,000 | 5,101,000 | 5,239,000 |
| Securities available for sale | 83,717,000 | 86,498,000 | 84,517,000 | 82,212,000 |
| Securities held to maturity | 260,575,000 | 272,559,000 | 251,183,000 | 245,926,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 853,965,000 | 861,169,000 | 848,331,000 | 845,824,000 |
| Interest-bearing deposits | 758,724,000 | 760,478,000 | 746,199,000 | 737,706,000 |
| Noninterest-bearing deposits | 95,241,000 | 100,691,000 | 102,132,000 | 108,118,000 |
| Equity capital | 107,748,000 | 105,061,000 | 107,983,000 | 108,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,357,000 | 14,473,000 | 21,425,000 | 28,102,000 |
| Interest expense | 1,519,000 | 2,899,000 | 4,124,000 | 5,229,000 |
| Net interest income | 5,838,000 | 11,574,000 | 17,301,000 | 22,873,000 |
| Noninterest income | 293,000 | 573,000 | 834,000 | 919,000 |
| Noninterest expense | 4,994,000 | 10,116,000 | 15,097,000 | 19,932,000 |
| Provision for loan losses | 0 | 873,000 | 1,023,000 | 1,555,000 |
| Pretax income | 1,137,000 | 1,158,000 | 2,016,000 | 2,306,000 |
| Income tax | 398,000 | 405,000 | 706,000 | 820,000 |
| Net income | 739,000 | 753,000 | 1,310,000 | 1,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,380,000 | 111,393,000 | 111,951,000 | 112,127,000 |
| Total capital | 116,365,000 | 116,338,000 | 117,052,000 | 117,366,000 |
| Risk-weighted assets | 488,286,000 | 489,862,000 | 479,497,000 | 482,810,000 |