Call reports 2008
PCSB BANK — 2008
What PCSB BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 52,560,000 | 53,968,000 | 55,189,000 | 55,416,000 |
| Total loans | 25,076,000 | 23,562,000 | 25,305,000 | 26,464,000 |
| Allowance for loan losses | 216,000 | 211,000 | 213,000 | 171,000 |
| Securities available for sale | 0 | 0 | 258,000 | 274,000 |
| Securities held to maturity | 21,560,000 | 22,512,000 | 22,514,000 | 22,804,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,835,000 | 45,136,000 | 46,191,000 | 45,776,000 |
| Interest-bearing deposits | 35,905,000 | 37,249,000 | 39,247,000 | 37,940,000 |
| Noninterest-bearing deposits | 7,930,000 | 7,887,000 | 6,944,000 | 7,836,000 |
| Equity capital | 8,476,000 | 8,536,000 | 8,729,000 | 8,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 702,000 | 1,392,000 | 2,091,000 | 2,813,000 |
| Interest expense | 196,000 | 374,000 | 542,000 | 709,000 |
| Net interest income | 506,000 | 1,018,000 | 1,549,000 | 2,104,000 |
| Noninterest income | 148,000 | 297,000 | 476,000 | 628,000 |
| Noninterest expense | 475,000 | 1,020,000 | 1,503,000 | 2,065,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 179,000 | 295,000 | 522,000 | 667,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 35,000 |
| Net income | 174,000 | 285,000 | 507,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,476,000 | 8,536,000 | 8,729,000 | 8,754,000 |
| Total capital | 8,692,000 | 8,747,000 | 8,942,000 | 8,925,000 |
| Risk-weighted assets | 27,840,000 | 33,971,000 | 34,402,000 | 34,935,000 |