Call reports 2002
PCSB BANK — 2002
What PCSB BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 51,762,000 | 50,437,000 | 52,471,000 | 51,675,000 |
| Total loans | 19,652,000 | 20,112,000 | 21,164,000 | 20,495,000 |
| Allowance for loan losses | 245,000 | 245,000 | 260,000 | 140,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,240,000 | 24,596,000 | 24,991,000 | 26,967,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,944,000 | 43,534,000 | 45,375,000 | 44,598,000 |
| Interest-bearing deposits | 37,602,000 | 36,335,000 | 38,187,000 | 36,800,000 |
| Noninterest-bearing deposits | 7,342,000 | 7,199,000 | 7,188,000 | 7,798,000 |
| Equity capital | 6,554,000 | 6,649,000 | 6,815,000 | 6,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,409,000 | 2,088,000 | 2,761,000 |
| Interest expense | 203,000 | 393,000 | 575,000 | 744,000 |
| Net interest income | 510,000 | 1,016,000 | 1,513,000 | 2,017,000 |
| Noninterest income | 116,000 | 220,000 | 428,000 | 553,000 |
| Noninterest expense | 456,000 | 923,000 | 1,379,000 | 1,872,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 30,000 |
| Pretax income | 170,000 | 313,000 | 547,000 | 668,000 |
| Income tax | 9,000 | 16,000 | 28,000 | 34,000 |
| Net income | 161,000 | 297,000 | 519,000 | 634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,554,000 | 6,649,000 | 6,815,000 | 6,910,000 |
| Total capital | 6,799,000 | 6,894,000 | 7,075,000 | 7,050,000 |
| Risk-weighted assets | 28,263,000 | 28,513,000 | 29,415,000 | 29,024,000 |