Call reports 2016
PCSB BANK — 2016
What PCSB BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 209,882,000 | 205,758,000 | 215,331,000 | 221,604,000 |
| Total loans | 132,870,000 | 138,091,000 | 141,257,000 | 143,942,000 |
| Allowance for loan losses | 1,232,000 | 1,174,000 | 1,267,000 | 1,359,000 |
| Securities available for sale | 49,988,000 | 50,969,000 | 48,932,000 | 49,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,870,000 | 181,235,000 | 191,217,000 | 198,341,000 |
| Interest-bearing deposits | 162,267,000 | 160,224,000 | 171,228,000 | 173,826,000 |
| Noninterest-bearing deposits | 23,603,000 | 21,011,000 | 19,989,000 | 24,515,000 |
| Equity capital | 23,633,000 | 23,820,000 | 23,786,000 | 23,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,946,000 | 3,961,000 | 6,066,000 | 8,139,000 |
| Interest expense | 284,000 | 590,000 | 921,000 | 1,278,000 |
| Net interest income | 1,662,000 | 3,371,000 | 5,145,000 | 6,861,000 |
| Noninterest income | 223,000 | 439,000 | 677,000 | 898,000 |
| Noninterest expense | 1,528,000 | 3,122,000 | 4,680,000 | 6,154,000 |
| Provision for loan losses | 125,000 | 363,000 | 543,000 | 652,000 |
| Pretax income | 252,000 | 345,000 | 625,000 | 1,077,000 |
| Income tax | 12,000 | 16,000 | 30,000 | 54,000 |
| Net income | 240,000 | 329,000 | 595,000 | 1,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,615,000 | 22,605,000 | 22,778,000 | 23,175,000 |
| Total capital | 23,847,000 | 23,779,000 | 24,045,000 | 24,534,000 |
| Risk-weighted assets | 153,166,000 | 155,701,000 | 159,798,000 | 164,152,000 |