Call reports 2014
PCSB BANK — 2014
What PCSB BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 975,490,000 | 975,827,000 | 988,148,000 | 991,048,000 |
| Total loans | 513,051,000 | 505,282,000 | 504,566,000 | 506,955,000 |
| Allowance for loan losses | 4,741,000 | 4,057,000 | 4,038,000 | 3,682,000 |
| Securities available for sale | 73,806,000 | 72,061,000 | 73,523,000 | 71,251,000 |
| Securities held to maturity | 284,799,000 | 273,083,000 | 320,941,000 | 315,567,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 859,527,000 | 860,790,000 | 849,010,000 | 855,052,000 |
| Interest-bearing deposits | 766,330,000 | 765,871,000 | 753,703,000 | 768,328,000 |
| Noninterest-bearing deposits | 93,197,000 | 94,919,000 | 95,307,000 | 86,724,000 |
| Equity capital | 110,550,000 | 111,639,000 | 112,018,000 | 112,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,811,000 | 13,486,000 | 20,148,000 | 27,066,000 |
| Interest expense | 887,000 | 1,795,000 | 2,716,000 | 3,670,000 |
| Net interest income | 5,924,000 | 11,691,000 | 17,432,000 | 23,396,000 |
| Noninterest income | 375,000 | 740,000 | 1,117,000 | 1,494,000 |
| Noninterest expense | 5,275,000 | 10,682,000 | 16,128,000 | 21,403,000 |
| Provision for loan losses | 336,000 | 470,000 | 495,000 | 535,000 |
| Pretax income | 688,000 | 1,295,000 | 1,942,000 | 2,980,000 |
| Income tax | 208,000 | 390,000 | 591,000 | 1,313,000 |
| Net income | 480,000 | 905,000 | 1,351,000 | 1,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,081,000 | 114,505,000 | 114,952,000 | 115,268,000 |
| Total capital | 118,822,000 | 118,562,000 | 118,990,000 | 118,950,000 |
| Risk-weighted assets | 518,931,000 | 509,172,000 | 517,207,000 | 518,773,000 |