Call reports 2019
PCSB BANK — 2019
What PCSB BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 255,724,000 | 251,755,000 | 253,852,000 | 260,476,000 |
| Total loans | 166,301,000 | 170,581,000 | 171,795,000 | 171,434,000 |
| Allowance for loan losses | 2,067,000 | 1,834,000 | 1,869,000 | 1,961,000 |
| Securities available for sale | 46,979,000 | 50,543,000 | 52,243,000 | 53,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,109,000 | 224,604,000 | 226,427,000 | 232,501,000 |
| Interest-bearing deposits | 200,952,000 | 198,984,000 | 200,847,000 | 201,736,000 |
| Noninterest-bearing deposits | 28,157,000 | 25,620,000 | 25,580,000 | 30,765,000 |
| Equity capital | 26,132,000 | 26,567,000 | 26,926,000 | 27,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,490,000 | 4,981,000 | 7,707,000 | 10,462,000 |
| Interest expense | 734,000 | 1,520,000 | 2,278,000 | 2,992,000 |
| Net interest income | 1,756,000 | 3,461,000 | 5,429,000 | 7,470,000 |
| Noninterest income | 240,000 | 508,000 | 788,000 | 1,062,000 |
| Noninterest expense | 1,522,000 | 3,096,000 | 4,635,000 | 6,189,000 |
| Provision for loan losses | 105,000 | 225,000 | 675,000 | 825,000 |
| Pretax income | 370,000 | 647,000 | 906,000 | 1,517,000 |
| Income tax | 18,000 | 32,000 | 45,000 | 76,000 |
| Net income | 352,000 | 615,000 | 861,000 | 1,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,148,000 | 26,131,000 | 26,245,000 | 26,794,000 |
| Total capital | 28,215,000 | 27,965,000 | 28,114,000 | 28,755,000 |
| Risk-weighted assets | 186,970,000 | 190,702,000 | 190,669,000 | 191,279,000 |