Call reports 2007
PCSB BANK — 2007
What PCSB BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 54,593,000 | 51,586,000 | 52,003,000 | 51,192,000 |
| Total loans | 23,409,000 | 22,996,000 | 24,347,000 | 25,146,000 |
| Allowance for loan losses | 223,000 | 220,000 | 219,000 | 215,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,718,000 | 25,209,000 | 24,111,000 | 22,492,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,263,000 | 42,984,000 | 41,929,000 | 41,825,000 |
| Interest-bearing deposits | 37,841,000 | 34,856,000 | 34,451,000 | 34,195,000 |
| Noninterest-bearing deposits | 8,422,000 | 8,128,000 | 7,478,000 | 7,630,000 |
| Equity capital | 8,055,000 | 8,172,000 | 8,350,000 | 8,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 694,000 | 1,398,000 | 2,119,000 | 2,823,000 |
| Interest expense | 237,000 | 470,000 | 712,000 | 935,000 |
| Net interest income | 457,000 | 928,000 | 1,407,000 | 1,888,000 |
| Noninterest income | 150,000 | 292,000 | 471,000 | 642,000 |
| Noninterest expense | 419,000 | 882,000 | 1,342,000 | 1,791,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 188,000 | 338,000 | 536,000 | 739,000 |
| Income tax | 5,000 | 8,000 | 13,000 | 34,000 |
| Net income | 183,000 | 330,000 | 523,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,055,000 | 8,172,000 | 8,350,000 | 8,332,000 |
| Total capital | 8,278,000 | 8,392,000 | 8,569,000 | 8,547,000 |
| Risk-weighted assets | 31,876,000 | 30,785,000 | 32,033,000 | 32,642,000 |