Call reports 2013
PCSB BANK — 2013
What PCSB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 965,317,000 | 969,100,000 | 960,092,000 | 960,495,000 |
| Total loans | 451,436,000 | 445,261,000 | 450,166,000 | 499,236,000 |
| Allowance for loan losses | 5,277,000 | 3,985,000 | 4,049,000 | 4,407,000 |
| Securities available for sale | 95,505,000 | 87,756,000 | 82,226,000 | 73,310,000 |
| Securities held to maturity | 265,792,000 | 268,928,000 | 267,155,000 | 254,555,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 849,398,000 | 855,116,000 | 845,615,000 | 845,753,000 |
| Interest-bearing deposits | 747,430,000 | 745,896,000 | 735,634,000 | 748,212,000 |
| Noninterest-bearing deposits | 101,968,000 | 109,220,000 | 109,981,000 | 97,541,000 |
| Equity capital | 108,421,000 | 109,376,000 | 109,827,000 | 109,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,423,000 | 12,704,000 | 19,018,000 | 25,232,000 |
| Interest expense | 1,016,000 | 1,977,000 | 2,916,000 | 3,816,000 |
| Net interest income | 5,407,000 | 10,727,000 | 16,102,000 | 21,416,000 |
| Noninterest income | 348,000 | 720,000 | 1,104,000 | 1,491,000 |
| Noninterest expense | 5,185,000 | 10,320,000 | 15,194,000 | 20,330,000 |
| Provision for loan losses | 0 | 59,000 | 142,000 | 492,000 |
| Pretax income | 570,000 | 1,069,000 | 1,871,000 | 2,100,000 |
| Income tax | 175,000 | 316,000 | 567,000 | 626,000 |
| Net income | 395,000 | 753,000 | 1,304,000 | 1,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,521,000 | 112,880,000 | 113,430,000 | 113,601,000 |
| Total capital | 117,798,000 | 116,865,000 | 117,479,000 | 118,008,000 |
| Risk-weighted assets | 483,457,000 | 476,645,000 | 480,155,000 | 501,033,000 |