Call reports 2006
PCSB BANK — 2006
What PCSB BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 55,190,000 | 51,648,000 | 52,267,000 | 52,733,000 |
| Total loans | 20,982,000 | 22,044,000 | 23,080,000 | 21,825,000 |
| Allowance for loan losses | 187,000 | 229,000 | 232,000 | 231,000 |
| Securities available for sale | 0 | 98,000 | 0 | 0 |
| Securities held to maturity | 28,657,000 | 26,264,000 | 25,396,000 | 25,473,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,231,000 | 43,032,000 | 43,411,000 | 44,590,000 |
| Interest-bearing deposits | 37,985,000 | 34,985,000 | 35,672,000 | 36,335,000 |
| Noninterest-bearing deposits | 9,246,000 | 8,047,000 | 7,739,000 | 8,255,000 |
| Equity capital | 7,729,000 | 7,803,000 | 7,862,000 | 7,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 617,000 | 1,258,000 | 1,909,000 | 2,592,000 |
| Interest expense | 168,000 | 371,000 | 595,000 | 832,000 |
| Net interest income | 449,000 | 887,000 | 1,314,000 | 1,760,000 |
| Noninterest income | 144,000 | 278,000 | 436,000 | 588,000 |
| Noninterest expense | 426,000 | 905,000 | 1,331,000 | 1,838,000 |
| Provision for loan losses | 6,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 161,000 | 252,000 | 411,000 | 502,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 10,000 |
| Net income | 156,000 | 247,000 | 406,000 | 492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,729,000 | 7,803,000 | 7,862,000 | 7,872,000 |
| Total capital | 7,916,000 | 8,032,000 | 8,094,000 | 8,103,000 |
| Risk-weighted assets | 30,230,000 | 30,071,000 | 31,098,000 | 30,831,000 |