Call reports 2014
PCSB BANK — 2014
What PCSB BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 206,311,000 | 195,098,000 | 195,905,000 | 211,416,000 |
| Total loans | 107,206,000 | 110,518,000 | 112,044,000 | 119,210,000 |
| Allowance for loan losses | 557,000 | 592,000 | 847,000 | 834,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 64,790,000 | 63,221,000 | 65,341,000 | 64,224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,429,000 | 170,702,000 | 171,378,000 | 186,998,000 |
| Interest-bearing deposits | 154,344,000 | 151,652,000 | 150,513,000 | 160,435,000 |
| Noninterest-bearing deposits | 23,085,000 | 19,050,000 | 20,865,000 | 26,563,000 |
| Equity capital | 21,510,000 | 21,926,000 | 22,092,000 | 22,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,759,000 | 3,672,000 | 5,602,000 | 7,572,000 |
| Interest expense | 261,000 | 533,000 | 799,000 | 1,067,000 |
| Net interest income | 1,498,000 | 3,139,000 | 4,803,000 | 6,505,000 |
| Noninterest income | 209,000 | 475,000 | 702,000 | 925,000 |
| Noninterest expense | 1,243,000 | 2,653,000 | 4,003,000 | 5,658,000 |
| Provision for loan losses | 30,000 | 105,000 | 455,000 | 530,000 |
| Pretax income | 434,000 | 872,000 | 1,047,000 | 1,242,000 |
| Income tax | 21,000 | 43,000 | 52,000 | 54,000 |
| Net income | 413,000 | 829,000 | 995,000 | 1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,510,000 | 21,926,000 | 22,092,000 | 22,101,000 |
| Total capital | 22,067,000 | 22,518,000 | 22,939,000 | 22,935,000 |
| Risk-weighted assets | 139,467,000 | 139,271,000 | 143,046,000 | 139,775,000 |