Pcsb financial corp (PCSB)
Income statement / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Mar'16Dec'15
Interest and dividend income
Loans receivable

50,286

47,585

44,757

41,619

41,338

40,028

38,878

37,798

35,500

34,890

33,957

33,664

33,593

33,142

0

0

0

Investment securities

9,583

10,199

10,348

10,022

9,797

9,546

9,387

9,266

8,900

8,165

7,426

6,661

6,068

5,885

0

0

0

Federal funds and other

1,172

1,569

1,759

1,806

1,718

1,281

1,007

896

925

898

763

633

442

358

0

0

0

Total interest and dividend income

61,041

59,353

56,864

53,447

52,853

50,855

49,272

47,960

45,325

43,953

42,146

40,958

40,103

39,385

0

0

0

Interest expense
Deposits and escrow interest

12,932

12,405

11,422

10,177

8,772

7,411

6,343

5,554

5,198

5,081

5,066

5,083

4,975

4,842

0

0

0

Mortgage escrow funds

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

FHLB advances

2,130

1,757

1,204

566

704

661

704

769

517

447

314

210

181

171

0

0

0

Total interest expense

15,062

14,162

12,626

10,743

9,476

8,072

7,047

6,323

5,715

5,528

5,380

5,293

5,167

5,036

0

0

0

Net interest income

45,979

45,191

44,238

42,704

43,377

42,783

42,225

41,637

39,610

38,425

36,766

35,665

34,936

34,349

0

0

0

Provision for loan losses

3,492

1,491

1,085

808

96

143

337

414

389

570

932

823

926

1,047

0

0

0

Net interest income after provision for loan losses

42,487

43,700

43,153

41,896

43,281

42,640

41,888

41,223

39,221

37,855

35,834

34,842

34,010

33,302

0

0

0

Noninterest income
Fees and service charges

1,622

1,692

1,747

1,763

1,695

1,611

1,566

1,529

0

0

0

-

-

-

-

-

-

Fees and service charges

-

-

-

-

-

-

-

-

-

-

-

1,178

1,224

1,162

0

0

0

Bank-owned life insurance

533

536

541

544

548

553

559

568

579

589

604

622

627

552

0

0

0

Swap income

531

531

606

507

0

0

0

-

-

-

-

-

-

-

-

-

-

Gains on sales of securities, net

0

-

-

-

-

0

-

236

0

0

0

-

-

-

-

-

-

Gains on sale of securities

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

-

-

Settlement on acquired loan

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

Other

123

87

270

226

234

246

187

186

445

548

537

669

489

470

0

0

0

Total noninterest income

2,854

2,853

3,226

3,102

2,741

2,674

2,446

2,519

2,565

2,679

4,246

4,084

3,955

3,799

0

0

0

Noninterest expense
Salaries and employee benefits

23,021

22,818

22,235

21,611

20,914

20,135

19,699

19,419

19,242

17,937

17,511

16,901

16,514

17,171

0

0

0

Occupancy and equipment

5,279

5,308

5,259

5,185

5,154

5,140

5,152

5,193

5,271

5,307

5,855

5,864

5,781

5,607

0

0

0

Communication and data processing

2,082

2,037

2,012

1,953

1,957

1,958

1,955

1,974

0

0

0

-

-

-

-

-

-

Professional fees

1,545

1,548

1,586

1,551

1,634

1,703

1,665

1,709

1,707

1,515

1,412

1,308

1,300

1,481

0

0

0

Postage, printing, stationary and supplies

571

569

588

586

597

620

584

578

578

557

546

547

561

610

0

0

0

FDIC assessment

-

-

-

421

415

403

343

328

312

379

421

558

711

777

0

0

0

Advertising

300

331

362

349

349

330

378

456

621

644

555

529

507

447

0

0

0

Amortization of intangible assets

98

103

106

110

114

117

122

126

131

135

139

143

149

154

0

0

0

Merger and acquisition related expenses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Other operating expenses

1,724

1,979

2,207

2,138

1,846

1,709

1,762

1,763

634

1,246

1,429

1,813

3,573

3,710

0

0

0

Total noninterest expense

34,809

34,987

34,773

33,994

33,550

32,685

32,230

32,116

36,711

35,458

35,127

34,431

29,096

29,996

0

0

0

Net income before income tax expense

10,532

11,566

11,606

11,004

12,472

12,629

12,104

11,626

5,075

5,076

4,953

4,495

8,869

7,105

0

0

0

Income tax expense

2,454

2,719

2,788

2,686

3,164

3,130

4,927

5,022

2,930

3,217

1,424

1,266

2,751

2,151

0

0

0

Net income

8,078

8,847

8,818

8,318

9,308

9,499

7,177

6,604

2,145

1,859

3,529

3,229

6,118

4,954

0

0

0

Earnings per common share:
Basic

0.08

0.15

0.18

0.10

0.12

0.14

0.14

0.16

0.13

0.00

0.10

-

-

-

-

-

-

Diluted

0.08

0.14

0.18

0.10

0.12

0.14

0.14

0.16

0.13

0.00

0.10

-

-

-

-

-

-

Weighted average common shares outstanding:
Basic

15,437

15,837

15,979

16,044

16,204

16,852

16,869

-

16,820

16,791

-

-

-

-

-

-

-

Diluted

15,447

15,909

16,082

16,109

16,261

16,868

16,869

-

16,820

16,791

-

-

-

-

-

-

-

Weighted average common shares outstanding - basic and diluted

-

-

-

-

-

-

-

-

-

-

16,756

-

-

-

-

-

-