Call reports 2015
PCSB BANK — 2015
What PCSB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 205,815,000 | 201,682,000 | 207,529,000 | 208,658,000 |
| Total loans | 117,799,000 | 122,469,000 | 128,053,000 | 131,579,000 |
| Allowance for loan losses | 987,000 | 1,067,000 | 1,086,000 | 1,418,000 |
| Securities available for sale | 0 | 0 | 0 | 53,896,000 |
| Securities held to maturity | 63,332,000 | 60,306,000 | 58,530,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,212,000 | 175,746,000 | 182,572,000 | 184,862,000 |
| Interest-bearing deposits | 159,856,000 | 155,434,000 | 160,889,000 | 153,351,000 |
| Noninterest-bearing deposits | 21,356,000 | 20,312,000 | 21,683,000 | 31,511,000 |
| Equity capital | 22,237,000 | 22,410,000 | 22,469,000 | 23,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,915,000 | 3,892,000 | 5,891,000 | 7,915,000 |
| Interest expense | 258,000 | 516,000 | 778,000 | 1,035,000 |
| Net interest income | 1,657,000 | 3,376,000 | 5,113,000 | 6,880,000 |
| Noninterest income | 212,000 | 426,000 | 646,000 | 871,000 |
| Noninterest expense | 1,489,000 | 3,088,000 | 4,723,000 | 6,210,000 |
| Provision for loan losses | 210,000 | 315,000 | 575,000 | 948,000 |
| Pretax income | 170,000 | 399,000 | 461,000 | 633,000 |
| Income tax | 9,000 | 20,000 | 23,000 | 30,000 |
| Net income | 161,000 | 379,000 | 438,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,237,000 | 22,410,000 | 22,469,000 | 22,532,000 |
| Total capital | 23,224,000 | 23,477,000 | 23,555,000 | 23,950,000 |
| Risk-weighted assets | 138,112,000 | 141,181,000 | 146,691,000 | 152,026,000 |