Call reports 2011
PCSB BANK — 2011
What PCSB BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 84,144,000 | 82,372,000 | 86,499,000 | 88,059,000 |
| Total loans | 37,421,000 | 38,910,000 | 40,174,000 | 41,251,000 |
| Allowance for loan losses | 275,000 | 297,000 | 310,000 | 362,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 33,893,000 | 35,763,000 | 34,728,000 | 37,909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,002,000 | 70,036,000 | 74,737,000 | 75,971,000 |
| Interest-bearing deposits | 63,712,000 | 60,532,000 | 65,055,000 | 64,746,000 |
| Noninterest-bearing deposits | 9,290,000 | 9,504,000 | 9,682,000 | 11,225,000 |
| Equity capital | 10,286,000 | 10,545,000 | 10,857,000 | 11,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 882,000 | 1,810,000 | 2,777,000 | 3,732,000 |
| Interest expense | 187,000 | 363,000 | 534,000 | 701,000 |
| Net interest income | 695,000 | 1,447,000 | 2,243,000 | 3,031,000 |
| Noninterest income | 203,000 | 445,000 | 669,000 | 887,000 |
| Noninterest expense | 614,000 | 1,258,000 | 1,904,000 | 2,491,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 233,000 |
| Pretax income | 261,000 | 589,000 | 938,000 | 1,192,000 |
| Income tax | 7,000 | 17,000 | 28,000 | 58,000 |
| Net income | 254,000 | 572,000 | 910,000 | 1,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,286,000 | 10,545,000 | 10,857,000 | 11,013,000 |
| Total capital | 10,561,000 | 10,842,000 | 11,167,000 | 11,375,000 |
| Risk-weighted assets | 48,869,000 | 56,843,000 | 58,895,000 | 60,860,000 |