Call reports 2023
PCSB BANK — 2023
What PCSB BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,004,733,000 | 1,980,866,000 | 1,978,603,000 | 2,005,065,000 |
| Total loans | 1,280,173,000 | 1,291,313,000 | 1,291,145,000 | 1,330,767,000 |
| Allowance for loan losses | 13,971,000 | 15,095,000 | 14,881,000 | 14,666,000 |
| Securities available for sale | 423,651,000 | 334,278,000 | 329,532,000 | 331,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 11,221,000 | 13,468,000 | 17,614,000 | 12,494,000 |
| Total deposits | 1,686,117,000 | 1,654,726,000 | 1,631,668,000 | 1,652,453,000 |
| Interest-bearing deposits | 1,463,971,000 | 1,422,460,000 | 1,418,184,000 | 1,432,339,000 |
| Noninterest-bearing deposits | 222,146,000 | 232,266,000 | 213,484,000 | 220,114,000 |
| Equity capital | 266,366,000 | 270,708,000 | 269,332,000 | 280,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 20,160,000 | 44,990,000 | 69,666,000 | 94,548,000 |
| Interest expense | 5,060,000 | 12,830,000 | 21,443,000 | 31,347,000 |
| Net interest income | 15,100,000 | 32,160,000 | 48,223,000 | 63,201,000 |
| Noninterest income | 1,097,000 | 1,379,000 | 1,951,000 | 2,798,000 |
| Noninterest expense | 13,848,000 | 23,812,000 | 35,412,000 | 47,000,000 |
| Provision for loan losses | 13,962,000 | 15,040,000 | 14,840,000 | 14,647,000 |
| Pretax income | -11,470,000 | -5,269,000 | -321,000 | 4,331,000 |
| Income tax | -3,293,000 | -1,369,000 | -120,000 | 1,064,000 |
| Net income | -8,177,000 | -3,900,000 | -201,000 | 3,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 162,354,000 | 174,187,000 | 179,974,000 | 185,337,000 |
| Total capital | 177,662,000 | 190,288,000 | 196,341,000 | 201,314,000 |
| Risk-weighted assets | 1,244,832,000 | 1,287,754,000 | 1,341,694,000 | 1,373,074,000 |