Call reports 2010
PCSB BANK — 2010
What PCSB BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 69,193,000 | 67,438,000 | 72,980,000 | 78,242,000 |
| Total loans | 32,039,000 | 33,293,000 | 35,639,000 | 38,254,000 |
| Allowance for loan losses | 247,000 | 266,000 | 249,000 | 254,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,018,000 | 29,329,000 | 28,118,000 | 33,004,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,604,000 | 57,630,000 | 62,890,000 | 64,583,000 |
| Interest-bearing deposits | 50,830,000 | 49,864,000 | 55,217,000 | 55,568,000 |
| Noninterest-bearing deposits | 8,774,000 | 7,766,000 | 7,673,000 | 9,015,000 |
| Equity capital | 9,390,000 | 9,548,000 | 9,825,000 | 10,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 763,000 | 1,519,000 | 2,374,000 | 3,251,000 |
| Interest expense | 166,000 | 347,000 | 520,000 | 714,000 |
| Net interest income | 597,000 | 1,172,000 | 1,854,000 | 2,537,000 |
| Noninterest income | 189,000 | 415,000 | 620,000 | 815,000 |
| Noninterest expense | 490,000 | 1,095,000 | 1,697,000 | 2,289,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 266,000 | 432,000 | 717,000 | 1,003,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 32,000 |
| Net income | 258,000 | 416,000 | 693,000 | 971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,390,000 | 9,548,000 | 9,825,000 | 10,070,000 |
| Total capital | 9,637,000 | 9,814,000 | 10,074,000 | 10,324,000 |
| Risk-weighted assets | 44,679,000 | 46,376,000 | 49,872,000 | 54,693,000 |