Call reports 2015
PCSB BANK — 2015
What PCSB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 998,050,000 | 1,200,739,000 | 1,206,735,000 | 1,210,973,000 |
| Total loans | 508,412,000 | 727,118,000 | 732,988,000 | 737,843,000 |
| Allowance for loan losses | 3,651,000 | 3,921,000 | 3,952,000 | 4,145,000 |
| Securities available for sale | 74,940,000 | 84,893,000 | 97,205,000 | 99,804,000 |
| Securities held to maturity | 310,309,000 | 273,850,000 | 267,383,000 | 261,799,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 861,001,000 | 1,069,010,000 | 1,060,915,000 | 1,071,674,000 |
| Interest-bearing deposits | 770,067,000 | 938,002,000 | 942,130,000 | 939,356,000 |
| Noninterest-bearing deposits | 90,934,000 | 131,008,000 | 118,785,000 | 132,318,000 |
| Equity capital | 112,985,000 | 110,270,000 | 111,717,000 | 112,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,730,000 | 15,324,000 | 24,968,000 | 34,652,000 |
| Interest expense | 934,000 | 2,009,000 | 3,187,000 | 4,375,000 |
| Net interest income | 5,796,000 | 13,315,000 | 21,781,000 | 30,277,000 |
| Noninterest income | 343,000 | 741,000 | 1,154,000 | 1,485,000 |
| Noninterest expense | 5,513,000 | 13,280,000 | 20,333,000 | 27,764,000 |
| Provision for loan losses | 0 | 1,260,000 | 1,261,000 | 1,658,000 |
| Pretax income | 626,000 | -476,000 | 1,349,000 | 2,354,000 |
| Income tax | 180,000 | -221,000 | 347,000 | 625,000 |
| Net income | 446,000 | -255,000 | 1,002,000 | 1,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,694,000 | 108,805,000 | 110,054,000 | 110,799,000 |
| Total capital | 119,345,000 | 112,726,000 | 114,006,000 | 114,944,000 |
| Risk-weighted assets | 524,173,000 | 743,282,000 | 752,934,000 | 769,646,000 |