Call reports 2013
PCSB BANK — 2013
What PCSB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 109,006,000 | 108,077,000 | 187,832,000 | 189,905,000 |
| Total loans | 48,560,000 | 52,365,000 | 101,597,000 | 105,723,000 |
| Allowance for loan losses | 266,000 | 291,000 | 554,000 | 572,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 49,662,000 | 46,378,000 | 68,916,000 | 66,423,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,877,000 | 91,382,000 | 160,307,000 | 161,488,000 |
| Interest-bearing deposits | 82,739,000 | 78,087,000 | 141,338,000 | 141,896,000 |
| Noninterest-bearing deposits | 14,138,000 | 13,295,000 | 18,969,000 | 19,592,000 |
| Equity capital | 11,888,000 | 11,641,000 | 20,091,000 | 21,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,136,000 | 2,209,000 | 5,502,000 | 7,368,000 |
| Interest expense | 136,000 | 274,000 | 770,000 | 1,030,000 |
| Net interest income | 1,000,000 | 1,935,000 | 4,732,000 | 6,338,000 |
| Noninterest income | 150,000 | 351,000 | 720,000 | 1,226,000 |
| Noninterest expense | 694,000 | 1,692,000 | 3,936,000 | 4,958,000 |
| Provision for loan losses | 150,000 | 180,000 | 218,000 | 249,000 |
| Pretax income | 306,000 | 414,000 | 1,299,000 | 2,358,000 |
| Income tax | 15,000 | 35,000 | 65,000 | 118,000 |
| Net income | 291,000 | 379,000 | 1,234,000 | 2,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,888,000 | 11,641,000 | 20,091,000 | 21,097,000 |
| Total capital | 12,154,000 | 11,932,000 | 20,645,000 | 21,669,000 |
| Risk-weighted assets | 74,282,000 | 75,417,000 | 130,095,000 | 134,435,000 |