FDIC Certificate #: 57232 Status: Active Federal Reserve ID: 3121081 Date Established: June 14, 2002 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 359849 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Directly owned by another bank (CERT):#57232 Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: June 14, 2002 Last Structure Change Effective Date: August 16, 2011 Last Structure Change Process Date: August 24, 2011 Last Data Update: August 24, 2011 Data Source Date: April 05, 2012
Location
Address: 2477 Route 6, Brewster, NY 10509 County: Putnam Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: New York City Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): New York, NY (#5600) Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70) Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408) Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620) CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620) Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
Financial Summary
Total assets: $29.7 mil Equity capital: $7.5 mil Deposits held in domestic offices: $22.0 mil Return on assets (ROA): 0.47% ($0.1 mil) Quarterly return on assets: 0.73% ($0.2 mil) Return on Equity (ROE): 2.21% ($0.2 mil) Quarterly return on equity: 3.18% ($0.3 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.78% ($231.6 mil) Quarterly Pretax return on assets: 1.22% ($362.3 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
0Total employees (full-time equivalent)
$29,694Total assets
$1,432Cash and due from depository institutions
$1,166Interest-bearing balances
$26,087Securities
$2,080Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$0Loan loss allowance
$0Trading account assets
$0Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$29,694Life insurance assets
$95All other assets
$22,145Total liabilities and capital
$21,989Total liabilities
$21,709Total deposits
$21,989Interest-bearing deposits
$29Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$156Subordinated debt
$7,549All other liabilities
$7,549Total equity capital
$7,549Total bank equity capital
$0Perpetual preferred stock
$760Common stock
$5,557Surplus
$1,232Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$55Long-term assets (5+ years)
$29,333Average Assets, year-to-date
$0Average Assets, quarterly
$35,464Volatile liabilities
$32,883Insider loans
$5,843FHLB advances
$31,849Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,493Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$473Total interest income
$119Total interest expense
$354Net interest income
$0Provision for loan and lease losses
$0Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$79Total noninterest expense
$0Salaries and employee benefits
$3Premises and equipment expense
$76Additional noninterest expense
$275Pre-tax net operating income
$0Securities gains (losses)
$110Applicable income taxes
$165Income before extraordinary items
$0Extraordinary gains - net
$165Net income attributable to bank
$0Net charge-offs
$165Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
1.35%Yield on earning assets
0.34%Cost of funding earning assets
1.01%Net interest margin
0.00%Noninterest income to earning assets
0.23%Noninterest expense to earning assets
0.47%Net operating income to assets
0.47%Return on assets (ROA)
0.78%Pretax return on assets
2.21%Return on equity (ROE)
2.21%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
22,316Assets per employee
0.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.00%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
0.00%Net loans and leases to core deposits
0.00%Equity capital to assets
25.42%Core capital (leverage) ratio
23.53%Tier 1 risk-based capital ratio
128.24%Total risk-based capital ratio
Memoranda
$128Average assets
$35,464Average earning assets
$7,453Average equity
$35,015Average loans
List of branches
1 New York Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
359849
Pcsb Commercial Bank
2477 Route 6, Brewster, NY 10509
June 14, 2002
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with PCSB Commercial Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: