Call reports 2009
PCSB BANK — 2009
What PCSB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 59,960,000 | 58,683,000 | 61,041,000 | 61,724,000 |
| Total loans | 27,338,000 | 29,438,000 | 31,028,000 | 32,477,000 |
| Allowance for loan losses | 188,000 | 193,000 | 190,000 | 217,000 |
| Securities available for sale | 168,000 | 0 | 0 | 0 |
| Securities held to maturity | 23,918,000 | 23,781,000 | 23,134,000 | 23,709,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,762,000 | 49,135,000 | 51,588,000 | 51,839,000 |
| Interest-bearing deposits | 42,125,000 | 42,143,000 | 44,610,000 | 43,783,000 |
| Noninterest-bearing deposits | 8,637,000 | 6,992,000 | 6,978,000 | 8,056,000 |
| Equity capital | 8,928,000 | 9,129,000 | 9,195,000 | 9,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 719,000 | 1,445,000 | 2,224,000 | 3,000,000 |
| Interest expense | 163,000 | 326,000 | 487,000 | 651,000 |
| Net interest income | 556,000 | 1,119,000 | 1,737,000 | 2,349,000 |
| Noninterest income | 137,000 | 301,000 | 501,000 | 702,000 |
| Noninterest expense | 511,000 | 1,024,000 | 1,603,000 | 2,265,000 |
| Provision for loan losses | 0 | 5,000 | 170,000 | 200,000 |
| Pretax income | 182,000 | 391,000 | 465,000 | 586,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 32,000 |
| Net income | 174,000 | 375,000 | 441,000 | 554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,928,000 | 9,129,000 | 9,195,000 | 9,132,000 |
| Total capital | 9,116,000 | 9,322,000 | 9,385,000 | 9,349,000 |
| Risk-weighted assets | 38,507,000 | 39,710,000 | 41,580,000 | 43,207,000 |