PDL Community Bancorp PDLB Income Statement

Pdl community bancorp (PDLB)

Income statement / TTM

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Sep'16	Jun'16
Interest and dividend income:
Interest on loans receivable
49,993	49,306	48,844	47,664	46,657	44,948	43,028	41,438	39,966	38,172	36,194	34,223	0	0	0
Interest on deposits due from banks
534	617	685	794	0	-	0	0	-	-	-	-	-	-	-
Interest and dividend on available-for-sale securities and FHLBNY stock
612	568	500	431	0	-	0	0	-	-	-	-	-	-	-
Interest and dividends on investment securities and FHLB stock
-	-	-	-	-	-	-	-	939	-	839	875	0	0	0
Total interest and dividend income
51,139	50,491	50,075	48,859	47,828	46,156	44,157	42,584	40,905	38,989	37,033	35,098	0	0	0
Interest expense:
Interest on certificates of deposit
7,548	7,677	7,834	7,880	7,823	7,617	7,138	6,770	6,351	5,917	5,704	5,525	0	0	0
Interest on other deposits
2,888	2,827	2,529	2,042	1,420	974	824	728	690	656	592	508	0	0	0
Interest on borrowings
2,108	1,854	1,532	1,275	1,134	899	661	451	279	210	128	0	0	0	-
Total interest expense
12,544	12,358	11,895	11,197	10,377	9,490	8,623	7,949	7,320	6,783	6,424	6,095	0	0	0
Net interest income
38,595	38,133	38,180	37,662	37,451	36,666	35,534	34,635	33,585	32,206	30,609	29,003	0	0	0
Provision for loan losses (Note 4)
1,255	258	379	967	1,304	1,249	2,252	1,888	1,758	1,716	613	610	0	0	0
Net interest income after provision for loan losses
37,340	37,875	37,801	36,695	36,147	35,417	33,282	32,747	31,827	30,490	29,996	28,393	0	0	0
Noninterest income:
Service charges and fees
989	971	922	866	852	845	859	893	0	-	0	0	-	-	-
Service charges and fees
-	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Brokerage commissions
153	212	278	528	546	533	518	399	525	547	586	489	0	0	0
Late and prepayment charges
735	755	829	744	534	606	535	627	810	810	714	636	0	0	0
Other
675	745	804	830	874	954	912	953	993	838	825	905	0	0	0
Total noninterest income
2,552	2,683	2,833	2,968	2,806	2,938	2,817	2,871	3,231	3,104	3,048	2,951	0	0	0
Noninterest expense:
Compensation and benefits
18,877	18,883	18,528	18,408	18,495	17,939	18,672	18,345	17,738	17,109	15,640	15,107	0	0	0
Occupancy and equipment
7,718	7,612	7,466	7,108	7,093	6,673	6,381	6,208	5,891	5,825	5,647	5,598	0	0	0
Data processing expenses
1,690	1,576	1,540	1,484	1,353	1,408	1,343	1,317	1,430	1,470	1,667	1,732	0	0	0
Direct loan expenses
748	692	737	819	789	788	743	667	699	739	782	804	0	0	0
Insurance and surety bond premiums
452	414	406	347	363	369	339	296	276	269	302	393	0	0	0
Office supplies, telephone and postage
1,184	1,185	1,218	1,245	1,326	1,309	1,277	1,219	1,149	1,103	1,065	1,094	0	0	0
FDIC deposit insurance assessment
-	-	-	272	-	-	-	260	252	-	348	445	0	0	0
Charitable foundation contributions
-	-	-	-	-	-	-	-	-	-	0	-	-	-	-
Professional fees
4,354	3,237	3,223	3,245	3,041	3,154	0	0	0	-	-	-	-	-	-
Marketing and promotional expenses
366	158	187	181	189	215	0	0	0	-	-	-	-	-	-
Directors fees
280	294	294	294	291	277	0	0	0	-	-	-	-	-	-
Regulatory dues
221	231	234	227	238	238	0	0	0	-	-	-	-	-	-
Other operating expenses
2,518	2,395	2,441	2,351	2,279	2,187	995	1,394	1,523	1,830	2,958	2,764	0	0	0
Total noninterest expense
48,338	46,607	36,206	35,641	35,389	34,557	34,219	39,180	37,720	36,557	34,702	27,937	0	0	0
Income (loss) before income taxes
-8,446	-6,049	4,428	4,022	3,564	3,798	1,880	-3,562	-2,662	-2,963	-1,658	3,407	0	0	0
Provision (benefit) for income taxes (Note 8)
-1,440	-924	1,466	1,367	1,160	1,121	2,703	872	1,347	1,424	-418	1,342	0	0	0
Net income (loss)
-7,006	-5,125	2,962	2,655	2,404	2,677	-823	-4,434	-4,009	-4,387	-1,240	2,065	0	0	0
Earnings (loss) per share for the period (Note 10)
Basic
-0.07	-0.42	0.04	0.05	0.04	0.04	0.02	0.04	0.05	-	-	-	-	-	-
Diluted
-0.07	-0.42	0.04	0.05	0.04	0.04	0.02	0.04	0.05	-	-	-	-	-	-