Call reports 2003
PCSB BANK — 2003
What PCSB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 54,689,000 | 55,158,000 | 54,052,000 | 53,418,000 |
| Total loans | 19,690,000 | 20,052,000 | 20,859,000 | 20,829,000 |
| Allowance for loan losses | 156,000 | 146,000 | 177,000 | 282,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 28,511,000 | 29,197,000 | 27,970,000 | 27,760,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,506,000 | 48,020,000 | 46,763,000 | 46,455,000 |
| Interest-bearing deposits | 39,830,000 | 40,296,000 | 40,364,000 | 38,919,000 |
| Noninterest-bearing deposits | 7,676,000 | 7,724,000 | 6,399,000 | 7,536,000 |
| Equity capital | 6,961,000 | 6,908,000 | 7,042,000 | 6,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 637,000 | 1,268,000 | 1,890,000 | 2,485,000 |
| Interest expense | 151,000 | 303,000 | 441,000 | 568,000 |
| Net interest income | 486,000 | 965,000 | 1,449,000 | 1,917,000 |
| Noninterest income | 93,000 | 228,000 | 368,000 | 469,000 |
| Noninterest expense | 458,000 | 916,000 | 1,373,000 | 1,884,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 205,000 |
| Pretax income | 106,000 | 232,000 | 369,000 | 297,000 |
| Income tax | 5,000 | 11,000 | 19,000 | 21,000 |
| Net income | 101,000 | 221,000 | 350,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,961,000 | 6,908,000 | 7,042,000 | 6,721,000 |
| Total capital | 7,117,000 | 7,054,000 | 7,219,000 | 7,003,000 |
| Risk-weighted assets | 29,289,000 | 29,788,000 | 30,407,000 | 30,165,000 |