Call reports 2016
PCSB BANK — 2016
What PCSB BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,238,498,000 | 1,261,900,000 | 1,255,305,000 | 1,241,106,000 |
| Total loans | 748,386,000 | 780,759,000 | 763,913,000 | 765,385,000 |
| Allowance for loan losses | 3,899,000 | 4,042,000 | 4,065,000 | 4,628,000 |
| Securities available for sale | 112,998,000 | 112,302,000 | 108,345,000 | 95,313,000 |
| Securities held to maturity | 257,205,000 | 276,381,000 | 270,366,000 | 278,576,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,093,483,000 | 1,120,883,000 | 1,122,914,000 | 1,115,373,000 |
| Interest-bearing deposits | 966,678,000 | 997,466,000 | 985,572,000 | 983,591,000 |
| Noninterest-bearing deposits | 126,805,000 | 123,417,000 | 137,342,000 | 131,782,000 |
| Equity capital | 113,550,000 | 109,949,000 | 111,506,000 | 112,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 9,809,000 | 19,750,000 | 29,841,000 | 39,959,000 |
| Interest expense | 1,192,000 | 2,446,000 | 3,779,000 | 5,103,000 |
| Net interest income | 8,617,000 | 17,304,000 | 26,062,000 | 34,856,000 |
| Noninterest income | 475,000 | 1,002,000 | 1,553,000 | 3,705,000 |
| Noninterest expense | 7,526,000 | 15,746,000 | 22,952,000 | 30,751,000 |
| Provision for loan losses | 0 | 1,332,000 | 1,332,000 | 2,049,000 |
| Pretax income | 1,566,000 | 1,230,000 | 3,333,000 | 5,763,000 |
| Income tax | 468,000 | 287,000 | 934,000 | 1,692,000 |
| Net income | 1,098,000 | 943,000 | 2,399,000 | 4,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,735,000 | 110,888,000 | 112,246,000 | 114,564,000 |
| Total capital | 115,634,000 | 114,930,000 | 116,311,000 | 119,192,000 |
| Risk-weighted assets | 787,836,000 | 823,031,000 | 808,254,000 | 815,544,000 |