Call reports 2012
PCSB BANK — 2012
What PCSB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 99,325,000 | 97,022,000 | 100,940,000 | 104,214,000 |
| Total loans | 42,172,000 | 45,697,000 | 47,114,000 | 51,376,000 |
| Allowance for loan losses | 331,000 | 363,000 | 415,000 | 315,000 |
| Securities available for sale | 0 | 1,074,000 | 0 | 0 |
| Securities held to maturity | 41,662,000 | 41,945,000 | 40,050,000 | 41,814,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,189,000 | 85,069,000 | 88,752,000 | 88,799,000 |
| Interest-bearing deposits | 75,394,000 | 73,426,000 | 75,731,000 | 74,361,000 |
| Noninterest-bearing deposits | 11,795,000 | 11,643,000 | 13,021,000 | 14,438,000 |
| Equity capital | 11,252,000 | 11,605,000 | 11,864,000 | 11,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 972,000 | 2,018,000 | 3,116,000 | 4,158,000 |
| Interest expense | 168,000 | 327,000 | 476,000 | 614,000 |
| Net interest income | 804,000 | 1,691,000 | 2,640,000 | 3,544,000 |
| Noninterest income | 199,000 | 420,000 | 601,000 | 827,000 |
| Noninterest expense | 579,000 | 1,205,000 | 1,911,000 | 2,583,000 |
| Provision for loan losses | 0 | 10,000 | 40,000 | 210,000 |
| Pretax income | 424,000 | 898,000 | 1,292,000 | 1,580,000 |
| Income tax | 15,000 | 31,000 | 48,000 | 67,000 |
| Net income | 409,000 | 867,000 | 1,244,000 | 1,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,252,000 | 11,605,000 | 11,864,000 | 11,683,000 |
| Total capital | 11,583,000 | 11,968,000 | 12,279,000 | 11,998,000 |
| Risk-weighted assets | 64,316,000 | 67,148,000 | 68,950,000 | 73,375,000 |