Call reports 2005
PCSB BANK — 2005
What PCSB BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 54,460,000 | 52,236,000 | 52,199,000 | 51,561,000 |
| Total loans | 19,150,000 | 18,943,000 | 19,752,000 | 20,277,000 |
| Allowance for loan losses | 165,000 | 156,000 | 159,000 | 181,000 |
| Securities available for sale | 296,000 | 398,000 | 134,000 | 0 |
| Securities held to maturity | 30,475,000 | 28,787,000 | 28,105,000 | 27,783,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,963,000 | 44,572,000 | 44,262,000 | 43,713,000 |
| Interest-bearing deposits | 39,394,000 | 37,252,000 | 37,189,000 | 36,028,000 |
| Noninterest-bearing deposits | 7,569,000 | 7,320,000 | 7,073,000 | 7,685,000 |
| Equity capital | 7,310,000 | 7,434,000 | 7,553,000 | 7,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 598,000 | 1,191,000 | 1,776,000 | 2,390,000 |
| Interest expense | 115,000 | 250,000 | 404,000 | 569,000 |
| Net interest income | 483,000 | 941,000 | 1,372,000 | 1,821,000 |
| Noninterest income | 140,000 | 268,000 | 410,000 | 560,000 |
| Noninterest expense | 423,000 | 878,000 | 1,298,000 | 1,760,000 |
| Provision for loan losses | 50,000 | 50,000 | 56,000 | 62,000 |
| Pretax income | 150,000 | 281,000 | 428,000 | 559,000 |
| Income tax | 7,000 | 14,000 | 22,000 | 29,000 |
| Net income | 143,000 | 267,000 | 406,000 | 530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,310,000 | 7,434,000 | 7,553,000 | 7,655,000 |
| Total capital | 7,475,000 | 7,590,000 | 7,712,000 | 7,836,000 |
| Risk-weighted assets | 29,394,000 | 28,289,000 | 28,817,000 | 28,822,000 |