Call reports 2004
PCSB BANK — 2004
What PCSB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 55,946,000 | 53,661,000 | 55,911,000 | 54,434,000 |
| Total loans | 19,956,000 | 19,926,000 | 19,604,000 | 19,005,000 |
| Allowance for loan losses | 159,000 | 172,000 | 154,000 | 124,000 |
| Securities available for sale | 200,000 | 507,000 | 0 | 0 |
| Securities held to maturity | 28,281,000 | 27,460,000 | 28,546,000 | 29,963,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,860,000 | 46,394,000 | 48,465,000 | 46,777,000 |
| Interest-bearing deposits | 41,261,000 | 38,774,000 | 39,772,000 | 36,492,000 |
| Noninterest-bearing deposits | 7,599,000 | 7,620,000 | 8,693,000 | 10,285,000 |
| Equity capital | 6,920,000 | 7,081,000 | 7,259,000 | 7,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 604,000 | 1,206,000 | 1,798,000 | 2,387,000 |
| Interest expense | 123,000 | 236,000 | 346,000 | 458,000 |
| Net interest income | 481,000 | 970,000 | 1,452,000 | 1,929,000 |
| Noninterest income | 231,000 | 335,000 | 461,000 | 628,000 |
| Noninterest expense | 431,000 | 853,000 | 1,274,000 | 1,878,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 261,000 | 432,000 | 619,000 | 659,000 |
| Income tax | 12,000 | 22,000 | 31,000 | 41,000 |
| Net income | 249,000 | 410,000 | 588,000 | 618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,920,000 | 7,081,000 | 7,259,000 | 7,214,000 |
| Total capital | 7,079,000 | 7,253,000 | 7,413,000 | 7,338,000 |
| Risk-weighted assets | 29,873,000 | 28,748,000 | 29,554,000 | 28,898,000 |