0001564590-21-052439.txt : 20211028 0001564590-21-052439.hdr.sgml : 20211028 20211028082113 ACCESSION NUMBER: 0001564590-21-052439 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20211028 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20211028 DATE AS OF CHANGE: 20211028 FILER: COMPANY DATA: COMPANY CONFORMED NAME: PCSB Financial Corp CENTRAL INDEX KEY: 0001691337 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] IRS NUMBER: 000000000 STATE OF INCORPORATION: MD FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-38065 FILM NUMBER: 211355157 BUSINESS ADDRESS: STREET 1: 2651 STRANG BOULEVARD STREET 2: SUITE 100 CITY: YORKTOWN HEIGHTS STATE: NY ZIP: 10598 BUSINESS PHONE: 914-248-7272 MAIL ADDRESS: STREET 1: 2651 STRANG BOULEVARD STREET 2: SUITE 100 CITY: YORKTOWN HEIGHTS STATE: NY ZIP: 10598 8-K 1 pcsb-8k_20211028.htm 8-K 09302021 pcsb-8k_20211028.htm
false 0001691337 0001691337 2021-10-28 2021-10-28

 

 

 

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 

FORM 8-K

 

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 28, 2021

 

PCSB Financial Corporation

(Exact name of Registrant as Specified in Its Charter)

 

 

Maryland

001-38065

81-4710738

(State or Other Jurisdiction

of Incorporation)

(Commission File Number)

(IRS Employer

Identification No.)

 

 

 

2651 Strang Blvd., Suite 100,

Yorktown Heights, NY

 

10598

(Address of Principal Executive Offices)

 

(Zip Code)

Registrant’s Telephone Number, Including Area Code: (914) 248-7272

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instructions A.2. below):

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

 

Trading

Symbol(s)

 

Name of each exchange on which registered

Common Stock, $0.01 par value per share

 

PCSB

 

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☒

 

 

 

 

 

Item 2.02 Results of Operations and Financial Condition.

On October 28, 2021, PCSB Financial Corporation, the holding company for PCSB Bank, issued a press release to report its consolidated financial results for the three months ended September 30, 2021 and the declaration of a quarterly cash dividend. A copy of the press release is furnished as an exhibit hereto and is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits.

(a) Not applicable.

(b) Not applicable.

(c) Not applicable.

(d) Exhibits

 

Exhibit

Number

 

Description

 

 

 

99.1

 

Press Release dated October 28, 2021

104

 

 Cover Page Interactive Data File (embedded within the Inline XBRL document)

1

 

 

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

 

 

PCSB Financial Corporation

 

 

 

 

Date: October 28, 2021

 

By:

/s/ Jeffrey M. Helf

 

 

 

Jeffrey M. Helf

 

 

 

Senior Vice President and Chief Financial Officer

 

2

 EX-99.1 2 pcsb-ex991_6.htm EX-99.1 pcsb-ex991_6.htm

 

 

 

 

Exhibit 99.1

 

PCSB Financial Corporation Announces First Fiscal Quarter Financial Results and

Declares Quarterly Cash Dividend

 

Yorktown Heights, New York; October 28, 2021 – PCSB Financial Corporation (the “Company”) (NASDAQ: PCSB), parent of PCSB Bank (the "Bank"), today announced net income of $3.6 million, or $0.25 per diluted share, for the three months ended September 30, 2021, compared to $3.4 million, or $0.23 per diluted share, for the three months ended June 30, 2021 and $2.7 million, or $0.18 per diluted share, for the three months ended September 30, 2020.

 

On October 20, 2021, the Board of Directors declared a regular quarterly cash dividend of $0.06 per share. The dividend is payable on or about November 26, 2021 to shareholders of record as of the close of business on November 12, 2021.

 

First Quarter Highlights

 

 

•

Net income of $3.6 million for the current quarter, increases of 6.0% and 32.5% compared to the linked quarter and the same quarter last year, respectively.

 

•

Net interest income of $12.5 million for the current quarter, unchanged from the linked quarter and increased 8.3% from the same quarter last year.

 

•

Tax equivalent net interest margin was 2.82% for the current quarter, an increase from 2.81% in the linked quarter and 2.69% for the same quarter last year.

 

•

The average cost of interest-bearing deposits was 0.41% for the current quarter, a decrease from 0.48% in the linked quarter and 0.80% for the same quarter last year.

 

•

The efficiency ratio was 65.59% for the current quarter, decreased from 67.43% for the linked quarter and 70.86% for the prior year quarter.

 

•

Average loans receivable, excluding SBA Paycheck Protection Program (“PPP”) loans, of $1.20 billion for the current quarter, unchanged from the linked quarter and a decrease from $1.21 billion in the same quarter last year.

 

•

Average deposits of $1.51 billion for the current quarter, increases of 1.4% and 8.5% compared to the linked quarter and same quarter last year, respectively.

 

•

Allowance for loan losses to total net loans receivable (excluding PPP loans) of 0.68% as of September 30, 2021, an increase from 0.66% as of June 30, 2021.

 

•

Non-performing loans of $5.7 million, or 0.48% of total net loans receivable (excluding PPP loans), as of September 30, 2021, unchanged compared to June 30, 2021 and increased from 0.17% as of September 30, 2020.

 

•

Loans on COVID-19-related payment deferral totaled $18.5 million, or 1.52% of gross loans, as of September 30, 2021, compared to $27.3 million, or 2.21% of gross loans, as of June 30, 2021. Loans on deferral totaling $3.5 million and $15.0 million are scheduled to resume payments in the next two quarters, respectively.

 

President’s Comments

 

“As we celebrate our 150th anniversary, we are extremely pleased with the Company’s solid first quarter financial performance which resulted in record earnings”, said Joseph D. Roberto, Chairman, President & Chief Executive Officer of PCSB Financial Corporation. “Despite the challenging low interest rate environment, improvement in our year over year financial performance was largely driven by net interest margin expansion and control over operating expenses.  With respect to maintaining control over operating expenses, we have received notice of non-objection from the New York State Department of Financial Services to consolidate one of our branch offices which is expected to occur on or about December 30, 2021. Meanwhile, our staff remains a source of strength to our customers and communities by providing them with personal attention to help them get through lingering economic challenges caused by the pandemic. Moving forward, our sustained focus on our communities’ needs is a core principle that has made PCSB successful over the past 150 years and will continue to create sustainable value for our shareholders.”

 

Income Statement Summary

 

Net income for the current quarter was $3.6 million, which increased $204,000 from the linked quarter and $886,000 from the prior year period. The change from the linked quarter is primarily due to a $243,000 decrease in noninterest

1

 

 

 

 

 

expense and a $45,000 increase in noninterest income, partially offset by a $46,000 decrease in net interest income, a $30,000 increase in income tax expense and an $8,000 increase in the provision for loan losses. The change from the prior year period is primarily due to a $958,000 increase in net interest income, a $96,000 decrease in provision for loan losses and a $19,000 increase in noninterest income, partially offset by a $187,000 increase in income tax expense.

 

Net interest income was $12.5 million for the current quarter, a decrease of $46,000, or 0.4%, compared to the linked quarter and an increase of $958,000, or 8.3%, compared to the prior year quarter. The decrease compared to the linked quarter is primarily the result of a $10.6 million, or 0.6%, decrease in average interest-earning assets, partially offset by a 1 basis point increase in the tax equivalent net interest margin. The increase in net interest income compared to the prior year period is primarily the result of a $62.8 million, or 3.6%, increase in average interest-earning assets and a 13 basis point increase in the tax equivalent net interest margin.

 

The tax equivalent net interest margin was 2.82% for the current quarter, reflecting increases of 1 basis point compared to 2.81% in the linked quarter and 13 basis points compared to 2.69% in the prior year quarter. Adjusted net interest margin, which excludes the effect of PPP loan interest and fees, was 2.72% for the current quarter compared to 2.68% in the linked quarter and 2.63% in the prior year quarter, as reductions in the cost of funds were partially offset by decreases in asset yields, driven by lower market interest rates.

 

The Company recognized PPP loan interest and origination fee income (net of costs) of $381,000 in the current quarter, compared to $516,000 in the linked quarter and $217,000 in the prior year quarter. Unearned origination fees (net of costs) on PPP loans totaled $698,000 as of September 30, 2021 and will be recognized in income over the remaining lives of the loans. The timing of such recognition is largely dependent on the timing of forgiveness.

 

Tax equivalent yield on interest-earning assets for the current quarter was 3.20%, a 6 basis point decrease from the linked quarter and a 17 basis point decrease from the prior year quarter. The decrease in yield compared to the linked quarter and the prior year quarter is a result of decreases in market interest rates, lower average loan balances due to muted origination activity and elevated amounts of liquidity over the last twelve months. The decline in asset yields (excluding the effects of PPP income) has slowed in recent quarters due to a more stable yield curve and a more favorable earning asset composition.

 

The cost of interest-bearing deposits was 0.41% for the current quarter, decreases of 7 basis points and 39 basis points from 0.48% and 0.80% in the linked quarter and prior year quarter, respectively. In response to lower market interest rates and increased liquidity levels, deposit rate reductions have been implemented throughout the last 18 months, the effects of which continue to be realized. As of quarter end, the weighted average cost of interest-bearing deposits was 0.34%. The cost of interest-bearing liabilities was 0.49% for the current quarter, decreases of 10 basis points from 0.59% in the linked quarter and 40 basis points from 0.89% in the prior year quarter. During the remainder of fiscal year 2022, the Company has $27.5 million of wholesale funding maturing, comprised of FHLB advances and brokered time deposits, with a weighted average cost of 2.43%.

 

The provision for loan losses was $13,000 for current quarter, compared to $5,000 for the linked quarter and $109,000 for the prior year quarter. Loans on COVID-19 related payment deferral totaled $18.5 million, or 1.52% of gross loans, as of September 30, 2021, compared to $27.3 million, or 2.21% of gross loans, as of June 30, 2021. Recoveries, net of charge-offs, were $265,000 for the current quarter compared to $11,000 for the linked quarter and charge-offs, net of recoveries, of $76,000 for the prior year quarter.  Non-performing loans as a percent of total loans receivable (excluding PPP loans) was 0.48% as of September 30, 2021, unchanged compared to June 30, 2021 and increased from 0.17% as of September 30, 2020.

 

 

 

 

 

 

 

 

 

 

 

 

 

2

 

 

 

 

 

 

The table below provides additional detail for those loans on deferral as of September 30, 2021 (dollar amounts in thousands):

Industry Sector:

Number of loans

 

 

Recorded Investment (1) (2)

 

 

% secured by real estate collateral

 

 

Loan-to-Value % (3)

 

 

Weighted average term of remaining deferral (in months)

 

Retail

 

3

 

 

$

11,590

 

 

 

100.0

%

 

 

59.8

%

 

 

3.1

 

Hotels and accommodation services

 

1

 

 

 

2,013

 

 

 

100.0

 

 

 

54.8

 

 

 

0.1

 

Food service

 

2

 

 

 

3,018

 

 

 

100.0

 

 

 

48.7

 

 

 

1.7

 

All other commercial

 

5

 

 

 

1,903

 

 

 

89.2

 

 

 

70.0

 

 

 

2.7

 

Total

 

11

 

 

$

18,524

 

 

 

98.9

%

 

 

58.3

%

 

 

2.5

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

   (1)    Includes loans classified as special mention and substandard of $1.7 million and $8.6 million, respectively.

 

   (2)    Includes $3.6 million of nonaccrual loans. All loans are considered current.

 

   (3)    Generally based on collateral values upon origination.

 

 

Noninterest income of $613,000 for the current quarter increased $45,000 compared to the linked quarter and $19,000 compared to the prior year quarter. The increase compared to the linked quarter was primarily due to increases of $24,000 in bank-owned life insurance income, $11,000 in fees and service charges and $10,000 in all other noninterest income. The increase compared to the prior year quarter was primarily due to increases of $79,000 in fees and service charges, $60,000 in bank-owned life insurance income and $9,000 in all other noninterest income, partially offset by a $129,000 decrease in swap income. The increase in fees and service charges compared to the prior year quarter was partially the result of the waiver in the prior year of certain overdraft fees, ATM usage fees, wire and CD early withdrawal fees in response to COVID-19, as well an increase in debit card and interchange income. Current quarter noninterest income includes net gains on the sale of loans of $6,000, compared to none in the linked quarter and prior year quarter.

 

Noninterest expense of $8.6 million for the current quarter decreased $243,000 compared to the linked quarter and was unchanged compared to the prior year quarter. The decrease compared to the linked quarter was primarily due to lower pension costs. Noninterest expenses were unchanged compared to the prior year quarter primarily due to increases in New York State capital-based taxes and ESOP costs, which were largely offset by lower pension costs.

 

The effective income tax rate was 19.9% for the current quarter, as compared to 20.2% for the linked quarter and 20.7% for the prior year quarter.

 

Balance Sheet Summary

 

Total assets were largely unchanged at $1.87 billion at September 30, 2021 as compared to June 30, 2021, as an increase of $28.6 million in total investment securities, was largely offset by decreases of $18.8 million in net loans receivable and $11.3 million in cash and cash equivalents. The increase in investment securities was the result of the Company deploying excess liquidity and included increases of $26.9 million in state and municipal securities, $5.5 million in corporate securities and $5.1 million in mortgage-backed securities, partially offset by a $9.0 million decrease in U.S. government and agency bonds. Net loans receivable decreased $18.8 million, primarily the result of decreases in commercial loans and residential mortgage loans of $28.6 million and $2.6 million, respectively, partially offset by increases in commercial mortgage loans and construction loans of $11.4 million and $1.5 million, respectively. The decrease in commercial loans includes a decrease in PPP loans of $17.3 million, driven by paydowns and forgiveness.

 

Total liabilities were largely unchanged at $1.60 billion at September 30, 2021 compared to June 30, 2021 as an increase of $13.0 million in deposits was largely offset by decreases of $11.1 million in other liabilities and $3.7 million in mortgage escrow funds. The $13.0 million increase in deposits includes increases in money market and NOW accounts of $30.2 million and $4.4 million, respectively, partially offset by decreases in time deposits, savings and demand accounts of $13.3 million, $5.7 million and $2.6 million, respectively.

 

Total shareholders’ equity increased $168,000 to $274.7 million at September 30, 2021 as compared to $274.6 million as of June 30, 2021. This increase was primarily due to net income of $3.6 million and $1.3 million of stock-based compensation and reduction in unearned ESOP shares for plan shares earned during the period, partially offset by the repurchase of $3.7 million (204,335 shares) of common stock and $876,000 of cash dividends declared and

3

 

 

 

 

 

paid. As of September 30, 2021, there were 339,828 shares available to be repurchased under the current stock repurchase plan.

 

At September 30, 2021, the Company’s book value per share and tangible book value per share were $17.64 and $17.24, respectively, compared to $17.41 and $17.01, respectively, at June 30, 2021. Reconciliations of book value per share (GAAP measure) to tangible book value per share (non-GAAP measure) appear at the end of this release. At September 30, 2021, the Bank was considered “well capitalized” under applicable regulatory guidelines.

 

 

About PCSB Financial Corporation and PCSB Bank

 

PCSB Financial Corporation is the bank holding company for PCSB Bank. PCSB Bank is a New York-chartered commercial bank that has served the banking needs of its customers in the Lower Hudson Valley of New York State since 1871. It operates from its executive offices/headquarters and 15 branch offices located in Dutchess, Putnam, Rockland and Westchester Counties in New York.

 

This News Release contains a number of forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These statements may be identified by use of words such as "anticipate," "believe," "could," "estimate," "expect," "intend," "may," "outlook," "plan," "potential," "predict," "project," "should," "will," "would" and similar terms and phrases, including references to assumptions.

 

Forward-looking statements are based upon various assumptions and analyses made by the Company in light of management's experience and its perception of historical trends, current conditions and expected future developments, as well as other factors it believes are appropriate under the circumstances. These statements are not guarantees of future performance and are subject to risks, uncertainties and other factors (many of which are beyond the Company's control) that could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. These factors include, without limitation, the following: the duration, extent and severity of the COVID-19 pandemic, including its impact on our business and operations, the impact of lost fee revenue and increased operating expenses, as well as its effect on our customers and issuers of securities, including their ability  to make timely payments on obligations, service providers and on economies and markets more generally, the timing and occurrence or non-occurrence of events may be subject to circumstances beyond the Company’s control; there may be increases in competitive pressure among financial institutions or from non-financial institutions; changes in the interest rate environment may reduce interest margins; changes in deposit flows, loan demand or real estate values may adversely affect the Company's business; changes in accounting principles, policies or guidelines may cause the Company’s financial condition to be perceived differently; changes in corporate and/or individual income tax laws may adversely affect the Company's financial condition or results of operations; general economic conditions, either nationally or locally in some or all areas in which the Company conducts business, or conditions in the securities markets or the banking industry may be less favorable than the Company currently anticipates; legislation or regulatory changes may adversely affect the Company’s business; technological changes may be more difficult or expensive than the Company anticipates; success or consummation of new business initiatives may be more difficult or expensive than the Company anticipates; or litigation or other matters before regulatory agencies, whether currently existing or commencing in the future, may delay the occurrence or non-occurrence of events longer than the Company anticipates. The Company assumes no obligation to update any forward-looking statements except as may be required by applicable law or regulation.

 

Contact: Joseph D. Roberto

Chairman, President and Chief Executive Officer

(914) 248-7272

4

 

 

 

 

 

PCSB Financial Corporation and Subsidiaries

Consolidated Balance Sheets (unaudited)

(amounts in thousands, except share and per share data)

 

 

 

 

 

 

 

 

 

 

 

 

 

September 30,

 

 

June 30,

 

 

 

2021

 

 

2021

 

ASSETS

 

 

 

 

 

 

 

 

Cash and due from banks

 

$

145,875

 

 

$

152,070

 

Federal funds sold

 

 

2,137

 

 

 

7,235

 

Cash and cash equivalents

 

 

148,012

 

 

 

159,305

 

Held to maturity debt securities, at amortized cost

  (fair value of $381,521 and $342,137, respectively)

 

 

378,510

 

 

 

337,584

 

Available for sale debt securities, at fair value

 

 

45,015

 

 

 

57,387

 

Total investment securities

 

 

423,525

 

 

 

394,971

 

Loans receivable, net of allowance for loan losses of $8,159 and $7,881, respectively

 

 

1,210,674

 

 

 

1,229,451

 

Accrued interest receivable

 

 

6,550

 

 

 

6,398

 

FHLB stock

 

 

4,506

 

 

 

4,507

 

Premises and equipment, net

 

 

20,536

 

 

 

21,099

 

Deferred tax asset, net

 

 

2,540

 

 

 

2,552

 

Bank-owned life insurance

 

 

35,760

 

 

 

35,568

 

Goodwill

 

 

6,106

 

 

 

6,106

 

Other intangible assets

 

 

135

 

 

 

151

 

Other assets

 

 

14,835

 

 

 

14,827

 

Total assets

 

$

1,873,179

 

 

$

1,874,935

 

LIABILITIES AND SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

Interest-bearing deposits

 

$

1,288,167

 

 

$

1,272,610

 

Non interest-bearing deposits

 

 

216,470

 

 

 

219,072

 

Total deposits

 

 

1,504,637

 

 

 

1,491,682

 

Mortgage escrow funds

 

 

6,828

 

 

 

10,536

 

Advances from Federal Home Loan Bank

 

 

65,924

 

 

 

65,957

 

Other liabilities

 

 

21,062

 

 

 

32,200

 

Total liabilities

 

 

1,598,451

 

 

 

1,600,375

 

Commitments and contingencies

 

 

-

 

 

 

-

 

Shareholders' equity:

 

 

 

 

 

 

 

 

Preferred stock ($0.01 par value, 10,000,000 shares authorized, no shares issued or outstanding as of September 30, 2021 and June 30, 2021)

 

 

-

 

 

 

-

 

Common stock ($0.01 par value, 200,000,000 shares authorized, 18,703,577 shares issued as of both September 30, 2021 and June 30, 2021, 15,574,310 and 15,770,645 shares outstanding as of September 30, 2021 and June 30, 2021, respectively)

 

 

187

 

 

 

187

 

Additional paid in capital

 

 

190,793

 

 

 

189,926

 

Retained earnings

 

 

153,725

 

 

 

150,987

 

Unearned compensation - ESOP

 

 

(9,932

)

 

 

(10,176

)

Accumulated other comprehensive loss, net of income taxes

 

 

(3,204

)

 

 

(3,099

)

Treasury stock, at cost, 3,129,267 and 2,932,932 shares as of September 30, 2021 and June 30, 2021, respectively)

 

 

(56,841

)

 

 

(53,265

)

Total shareholders' equity

 

 

274,728

 

 

 

274,560

 

Total liabilities and shareholders' equity

 

$

1,873,179

 

 

$

1,874,935

 

 

 

 

 

 

 

 

 

 

 

 

 


5

 

 

 

 

 

PCSB Financial Corporation and Subsidiaries

Consolidated Statements of Operations (unaudited)

(amounts in thousands, except share and per share data)

 

 

 

 

Three Months Ended

 

 

 

September 30,

 

 

 

2021

 

 

2020

 

Interest and dividend income

 

 

 

 

 

 

 

 

Loans receivable

 

$

12,107

 

 

$

12,547

 

Investment securities

 

 

2,011

 

 

 

1,856

 

Federal funds and other

 

 

109

 

 

 

125

 

Total interest and dividend income

 

 

14,227

 

 

 

14,528

 

Interest expense

 

 

 

 

 

 

 

 

Deposits and escrow interest

 

 

1,354

 

 

 

2,432

 

FHLB advances

 

 

338

 

 

 

519

 

Total interest expense

 

 

1,692

 

 

 

2,951

 

Net interest income

 

 

12,535

 

 

 

11,577

 

Provision for loan losses

 

 

13

 

 

 

109

 

Net interest income after provision for loan losses

 

 

12,522

 

 

 

11,468

 

Noninterest income

 

 

 

 

 

 

 

 

Fees and service charges

 

 

401

 

 

 

322

 

Swap income

 

 

-

 

 

 

129

 

Bank-owned life insurance

 

 

192

 

 

 

132

 

Other

 

 

20

 

 

 

11

 

Total noninterest income

 

 

613

 

 

 

594

 

Noninterest expense

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

5,773

 

 

 

5,607

 

Occupancy and equipment

 

 

1,353

 

 

 

1,318

 

Communications and data processing

 

 

527

 

 

 

576

 

Professional fees

 

 

393

 

 

 

400

 

Postage, printing, stationery and supplies

 

 

143

 

 

 

139

 

Advertising

 

 

100

 

 

 

100

 

FDIC assessment

 

 

125

 

 

 

113

 

Amortization of intangible assets

 

 

16

 

 

 

20

 

Other operating expenses

 

 

194

 

 

 

351

 

Total noninterest expense

 

 

8,624

 

 

 

8,624

 

Net income before income tax expense

 

 

4,511

 

 

 

3,438

 

Income tax expense

 

 

897

 

 

 

710

 

Net income

 

$

3,614

 

 

$

2,728

 

Earnings per common share:

 

 

 

 

 

 

 

 

Basic

 

$

0.25

 

 

$

0.18

 

Diluted

 

 

0.25

 

 

 

0.18

 

Weighted average common shares outstanding:

 

 

 

 

 

 

 

 

Basic

 

 

14,337,543

 

 

 

15,302,838

 

Diluted

 

 

14,405,816

 

 

 

15,302,949

 

 


6

 

 

 

 

 

 

PCSB Financial Corporation and Subsidiaries

Net Interest Margin Analysis (unaudited)

(dollar amounts in thousands)

 

Three Months Ended

 

 

September 30, 2021

 

 

June 30, 2021

 

 

September 30, 2020

 

 

Average Balance

 

 

 

 

Interest / Dividends

 

 

Average Rate

 

 

Average Balance

 

 

 

 

Interest / Dividends

 

 

Average Rate

 

 

Average Balance

 

 

 

 

Interest / Dividends

 

 

Average Rate

 

Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans receivable (1)

$

1,223,532

 

 

 

 

$

12,107

 

 

 

3.96

%

 

$

1,245,610

 

 

 

 

$

12,625

 

 

 

4.06

%

 

$

1,252,595

 

 

 

 

$

12,547

 

 

 

4.01

%

Investment securities (1)

 

404,565

 

 

 

 

 

2,011

 

 

 

2.07

 

 

 

363,175

 

 

 

 

 

1,851

 

 

 

2.11

 

 

 

315,292

 

 

 

 

 

1,856

 

 

 

2.38

 

Other interest-earning assets

 

160,659

 

 

 

 

 

109

 

 

 

0.27

 

 

 

190,582

 

 

 

 

 

110

 

 

 

0.23

 

 

 

158,038

 

 

 

 

 

125

 

 

 

0.31

 

Total interest-earning assets

 

1,788,756

 

 

 

 

 

14,227

 

 

 

3.20

 

 

 

1,799,367

 

 

 

 

 

14,586

 

 

 

3.26

 

 

 

1,725,925

 

 

 

 

 

14,528

 

 

 

3.37

 

Non-interest-earning assets

 

76,375

 

 

 

 

 

 

 

 

 

 

 

 

 

79,015

 

 

 

 

 

 

 

 

 

 

 

 

 

71,926

 

 

 

 

 

 

 

 

 

 

 

Total assets

$

1,865,131

 

 

 

 

 

 

 

 

 

 

 

 

$

1,878,382

 

 

 

 

 

 

 

 

 

 

 

 

$

1,797,851

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities and equity:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

NOW accounts

$

182,531

 

 

 

 

 

70

 

 

 

0.15

 

 

$

182,475

 

 

 

 

 

69

 

 

 

0.15

 

 

$

149,466

 

 

 

 

 

89

 

 

 

0.24

 

Money market accounts

 

350,575

 

 

 

 

 

186

 

 

 

0.21

 

 

 

311,255

 

 

 

 

 

162

 

 

 

0.21

 

 

 

250,297

 

 

 

 

 

238

 

 

 

0.38

 

Savings accounts and mortgage escrow funds

 

397,292

 

 

 

 

 

113

 

 

 

0.11

 

 

 

387,422

 

 

 

 

 

109

 

 

 

0.11

 

 

 

360,091

 

 

 

 

 

202

 

 

 

0.22

 

Time deposits

 

367,641

 

 

 

 

 

985

 

 

 

1.06

 

 

 

395,240

 

 

 

 

 

1,179

 

 

 

1.20

 

 

 

443,487

 

 

 

 

 

1,903

 

 

 

1.70

 

Total interest-bearing deposits

 

1,298,039

 

 

 

 

 

1,354

 

 

 

0.41

 

 

 

1,276,392

 

 

 

 

 

1,519

 

 

 

0.48

 

 

 

1,203,341

 

 

 

 

 

2,432

 

 

 

0.80

 

FHLB advances

 

65,935

 

 

 

 

 

338

 

 

 

2.03

 

 

 

94,970

 

 

 

 

 

486

 

 

 

2.05

 

 

 

106,067

 

 

 

 

 

519

 

 

 

1.94

 

Total interest-bearing liabilities

 

1,363,974

 

 

 

 

 

1,692

 

 

 

0.49

 

 

 

1,371,362

 

 

 

 

 

2,005

 

 

 

0.59

 

 

 

1,309,408

 

 

 

 

 

2,951

 

 

 

0.89

 

Non-interest-bearing deposits

 

207,806

 

 

 

 

 

 

 

 

 

 

 

 

 

208,265

 

 

 

 

 

 

 

 

 

 

 

 

 

184,085

 

 

 

 

 

 

 

 

 

 

 

Other non-interest-bearing liabilities

 

19,943

 

 

 

 

 

 

 

 

 

 

 

 

 

23,114

 

 

 

 

 

 

 

 

 

 

 

 

 

28,958

 

 

 

 

 

 

 

 

 

 

 

Total liabilities

 

1,591,723

 

 

 

 

 

 

 

 

 

 

 

 

 

1,602,741

 

 

 

 

 

 

 

 

 

 

 

 

 

1,522,451

 

 

 

 

 

 

 

 

 

 

 

Total shareholders' equity

 

273,408

 

 

 

 

 

 

 

 

 

 

 

 

 

275,641

 

 

 

 

 

 

 

 

 

 

 

 

 

275,400

 

 

 

 

 

 

 

 

 

 

 

Total liabilities and shareholders' equity

$

1,865,131

 

 

 

 

 

 

 

 

 

 

 

 

$

1,878,382

 

 

 

 

 

 

 

 

 

 

 

 

$

1,797,851

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income

 

 

 

 

 

 

$

12,535

 

 

 

 

 

 

 

 

 

 

 

 

$

12,581

 

 

 

 

 

 

 

 

 

 

 

 

$

11,577

 

 

 

 

 

Interest rate spread - tax equivalent (2)

 

 

 

 

 

 

 

 

 

 

 

2.71

 

 

 

 

 

 

 

 

 

 

 

 

 

2.67

 

 

 

 

 

 

 

 

 

 

 

 

 

2.48

 

Net interest margin - tax equivalent (3)

 

 

 

 

 

 

 

 

 

 

 

2.82

 

 

 

 

 

 

 

 

 

 

 

 

 

2.81

 

 

 

 

 

 

 

 

 

 

 

 

 

2.69

 

Average interest-earning assets to interest-bearing liabilities

 

131.14

%

 

 

 

 

 

 

 

 

 

 

 

 

131.21

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(1) Tax exempt yield is shown on a tax equivalent basis for proper comparison using a statutory federal income tax rate of 21% for all periods presented. See reconciliation of GAAP to non-GAAP measures at the end of this release.

 

(2) Net interest rate spread represents the difference between the average yield on average interest-earning assets and the average cost of average interest-bearing liabilities.

 

(3) Net interest margin represents tax equivalent net interest income divided by average interest-earning assets. See reconciliation of GAAP to non-GAAP measures at the end of this release.

 

 

7

 

 

 

 

 

 

PCSB Financial Corporation and Subsidiaries

Condensed Financial Information (unaudited)

(amounts in thousands, except per share data)

 

 

As of

 

 

September 30,

2021

 

June 30,

2021

 

March 31,

2021

 

December 31,

2020

 

September 30,

2020

 

Condensed Balance Sheets

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and cash equivalents

$

148,012

 

$

159,305

 

$

169,314

 

$

162,541

 

$

162,739

 

Total investment securities

 

423,525

 

 

394,971

 

 

347,302

 

 

310,231

 

 

318,509

 

Loans receivable, net

 

1,210,674

 

 

1,229,451

 

 

1,261,155

 

 

1,237,550

 

 

1,227,913

 

Other assets

 

90,968

 

 

91,208

 

 

76,903

 

 

79,517

 

 

81,914

 

Total assets

$

1,873,179

 

$

1,874,935

 

$

1,854,674

 

$

1,789,839

 

$

1,791,075

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total deposits and mortgage escrow funds

$

1,511,465

 

$

1,502,218

 

$

1,463,542

 

$

1,387,897

 

$

1,383,432

 

Advances from Federal Home Loan Bank

 

65,924

 

 

65,957

 

 

95,991

 

 

106,023

 

 

106,056

 

Other liabilities

 

21,062

 

 

32,200

 

 

23,844

 

 

26,595

 

 

27,908

 

Total liabilities

 

1,598,451

 

 

1,600,375

 

 

1,583,377

 

 

1,520,515

 

 

1,517,396

 

Total shareholders' equity

 

274,728

 

 

274,560

 

 

271,297

 

 

269,324

 

 

273,679

 

Total liabilities and shareholders' equity

$

1,873,179

 

$

1,874,935

 

$

1,854,674

 

$

1,789,839

 

$

1,791,075

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Quarter Ended

 

 

September 30,

2021

 

June 30,

2021

 

March 31,

2021

 

December 31,

2020

 

September 30,

2020

 

Condensed Income Statements

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest income

$

14,227

 

$

14,586

 

$

13,925

 

$

14,225

 

$

14,528

 

Interest expense

 

1,692

 

 

2,005

 

 

2,288

 

 

2,678

 

 

2,951

 

Net interest income

 

12,535

 

 

12,581

 

 

11,637

 

 

11,547

 

 

11,577

 

Provision (benefit) for loan losses

 

13

 

 

5

 

 

(894

)

 

107

 

 

109

 

Noninterest income

 

613

 

 

568

 

 

592

 

 

743

 

 

594

 

Noninterest expense

 

8,624

 

 

8,867

 

 

8,572

 

 

8,691

 

 

8,624

 

Income before income tax expense

 

4,511

 

 

4,277

 

 

4,551

 

 

3,492

 

 

3,438

 

Income tax expense

 

897

 

 

867

 

 

959

 

 

798

 

 

710

 

Net income

$

3,614

 

$

3,410

 

$

3,592

 

$

2,694

 

$

2,728

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Earnings per share:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Basic

$

0.25

 

$

0.23

 

$

0.25

 

$

0.18

 

$

0.18

 

Diluted

 

0.25

 

 

0.23

 

 

0.25

 

 

0.18

 

 

0.18

 

 

 

 

 


8

 

 

 

 

 

 

PCSB Financial Corporation and Subsidiaries

Selected Financial Data (unaudited)

 

 

 

Quarter Ended

 

 

September 30,

2021

 

June 30,

2021

 

March 31,

2021

 

December 31,

2020

 

September 30,

2020

 

Performance Ratios (1):

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets

 

0.78

%

 

0.73

%

 

0.80

%

 

0.60

%

 

0.61

%

Return on average equity

 

5.29

%

 

4.95

%

 

5.32

%

 

3.96

%

 

3.96

%

Interest rate spread

 

2.71

%

 

2.67

%

 

2.53

%

 

2.52

%

 

2.47

%

Net interest margin

 

2.82

%

 

2.81

%

 

2.69

%

 

2.71

%

 

2.69

%

Efficiency ratio

 

65.59

%

 

67.43

%

 

70.10

%

 

70.72

%

 

70.86

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest income to average assets

 

0.13

%

 

0.12

%

 

0.13

%

 

0.17

%

 

0.13

%

Noninterest expense to average assets

 

1.85

%

 

1.89

%

 

1.90

%

 

1.95

%

 

1.92

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average interest-earning assets to average interest-bearing liabilities

 

131.14

%

 

131.21

%

 

131.31

%

 

131.07

%

 

131.81

%

Average equity to average assets

 

14.66

%

 

14.67

%

 

14.99

%

 

15.23

%

 

15.32

%

Dividend payout ratio (2)

 

24.24

%

 

26.07

%

 

16.65

%

 

22.57

%

 

23.09

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


9

 

 

 

 

 

 

PCSB Financial Corporation and Subsidiaries

Selected Financial Data (unaudited) - Continued

(dollar amounts in thousands, except share and per share data)

 

 

 

As of and for the quarter ended

 

 

September 30,

2021

 

June 30,

2021

 

March 31,

2021

 

December 31,

2020

 

September 30,

2020

 

Loans to deposits

 

80.46

%

 

82.42

%

 

86.72

%

 

89.85

%

 

89.17

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Share Data:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Shares outstanding

 

15,574,310

 

 

15,770,645

 

 

15,966,216

 

 

16,097,867

 

 

16,634,237

 

Book value per common share

$

17.64

 

$

17.41

 

$

16.99

 

$

16.73

 

$

16.45

 

Tangible book value per common share (3)

$

17.24

 

$

17.01

 

$

16.60

 

$

16.34

 

$

16.07

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Asset Quality Ratios:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-performing loans receivable

$

5,732

 

$

5,764

 

$

2,054

 

$

1,668

 

$

2,083

 

Non-performing assets

$

5,732

 

$

5,764

 

$

2,054

 

$

1,668

 

$

2,083

 

Allowance for loan losses as a percent of total loans receivable (4)

 

0.68

%

 

0.66

%

 

0.65

%

 

0.72

%

 

0.72

%

Allowance for loan losses as a percent of non-performing loans receivable

 

142.34

%

 

136.73

%

 

382.91

%

 

520.20

%

 

416.32

%

Non-performing loans as a percent of total loans receivable, net (4)

 

0.48

%

 

0.48

%

 

0.17

%

 

0.14

%

 

0.17

%

Non-performing assets as a percent of total assets

 

0.31

%

 

0.31

%

 

0.11

%

 

0.09

%

 

0.12

%

Net (recoveries) charge-offs

$

(265

)

$

(11

)

$

(82

)

$

102

 

$

76

 

Net (recoveries) charge-offs to average outstanding loans during the period (1)

 

(0.09

%)

 

0.00

%

 

(0.03

%)

 

0.03

%

 

0.02

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Capital Ratios (5):

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 capital (to adjusted total assets)

 

12.72

%

 

12.48

%

 

12.76

%

 

12.66

%

 

12.41

%

Common equity Tier 1 capital (to risk-weighted assets)

 

17.84

%

 

17.93

%

 

17.72

%

 

17.74

%

 

17.56

%

Tier 1 capital (to risk-weighted assets)

 

17.84

%

 

17.93

%

 

17.72

%

 

17.74

%

 

17.56

%

Total capital (to risk-weighted assets)

 

18.46

%

 

18.53

%

 

18.33

%

 

18.42

%

 

18.24

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(1) Performance ratios for quarter ended periods are annualized.

 

(2) Dividends declared per share divided by net income per share.

 

(3) Tangible book value per share is a non-GAAP measure and equals total shareholders’ equity, less goodwill and other intangible assets, divided by shares outstanding. We believe this disclosure may be meaningful to those investors who seek to evaluate our equity without giving effect to goodwill and other intangible assets. Reconciliations of GAAP to non-GAAP measures appear at the end of this release.

 

(4) Total loans receivable excludes PPP loans.

 

(5) Represents Bank ratios.

 


10

 

 

 

 

 

 

PCSB Financial Corporation and Subsidiaries

Loan and Deposit Portfolios (unaudited)

(amounts in thousands)

 

 

 

As of

 

 

September 30,

2021

 

June 30,

2021

 

March 31,

2021

 

December 31,

2020

 

September 30,

2020

 

Mortgage loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential mortgages

$

221,735

 

$

224,305

 

$

229,008

 

$

237,987

 

$

245,008

 

Commercial mortgages

 

838,021

 

 

826,624

 

 

831,162

 

 

801,348

 

 

794,248

 

Construction

 

11,639

 

 

10,151

 

 

10,047

 

 

17,551

 

 

11,512

 

Net deferred loan origination costs

 

97

 

 

196

 

 

365

 

 

600

 

 

666

 

Total mortgage loans

 

1,071,492

 

 

1,061,276

 

 

1,070,582

 

 

1,057,486

 

 

1,051,434

 

Commercial and consumer loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial loans (1)

 

122,031

 

 

150,658

 

 

171,314

 

 

160,678

 

 

155,569

 

Home equity credit lines

 

24,936

 

 

25,439

 

 

27,211

 

 

27,653

 

 

29,249

 

Consumer and overdrafts

 

394

 

 

345

 

 

269

 

 

328

 

 

308

 

Net deferred loan origination costs

 

(20

)

 

(386

)

 

(356

)

 

82

 

 

25

 

Total commercial and consumer loans

 

147,341

 

 

176,056

 

 

198,438

 

 

188,741

 

 

185,151

 

Total loans receivable

 

1,218,833

 

 

1,237,332

 

 

1,269,020

 

 

1,246,227

 

 

1,236,585

 

Allowance for loan losses

 

(8,159

)

 

(7,881

)

 

(7,865

)

 

(8,677

)

 

(8,672

)

Loans receivable, net

$

1,210,674

 

$

1,229,451

 

$

1,261,155

 

$

1,237,550

 

$

1,227,913

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(1) Includes PPP loans totaling:

$

19,763

 

$

37,050

 

$

50,380

 

$

35,687

 

$

35,687

 

 

 

As of

 

 

September 30,

2021

 

June 30,

2021

 

March 31,

2021

 

December 31,

2020

 

September 30,

2020

 

Demand deposits

$

216,470

 

$

219,072

 

$

203,344

 

$

189,968

 

$

183,844

 

NOW accounts

 

181,572

 

 

177,223

 

 

169,077

 

 

159,919

 

 

148,176

 

Money market accounts

 

363,090

 

 

332,843

 

 

301,892

 

 

256,132

 

 

253,176

 

Savings

 

381,836

 

 

387,529

 

 

372,151

 

 

354,882

 

 

349,805

 

Time deposits

 

361,669

 

 

375,015

 

 

407,826

 

 

416,386

 

 

442,011

 

Total deposits

$

1,504,637

 

$

1,491,682

 

$

1,454,290

 

$

1,377,287

 

$

1,377,012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


11

 

 

 

 

 

 

PCSB Financial Corporation and Subsidiaries

Reconciliation of GAAP to Non-GAAP Measures (unaudited)

(dollar amounts in thousands, except share and per share data)

 

 

 

Quarter Ended

 

 

September 30,

2021

 

June 30,

2021

 

September 30,

2020

 

Computation of Tax Equivalent Net Interest Income

 

Total interest income

$

14,227

 

$

14,586

 

$

14,528

 

Total interest expense

 

1,692

 

 

2,005

 

 

2,951

 

Net interest income (GAAP)

 

12,535

 

 

12,581

 

 

11,577

 

Tax equivalent adjustment

 

89

 

 

68

 

 

33

 

Net interest income - tax equivalent (Non-GAAP)

$

12,624

 

$

12,649

 

$

11,610

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


12

 

 

 

 

 

 

PCSB Financial Corporation and Subsidiaries

Reconciliation of GAAP to Non-GAAP Measures (unaudited) - Continued

(dollar amounts in thousands, except share and per share data)

 

 

 

As of

 

 

September 30,

2021

 

June 30,

2021

 

March 31,

2021

 

December 31,

2020

 

September 30,

2020

 

Computation of Tangible Book Value per Common Share

 

 

 

 

Total shareholders' equity (GAAP)

$

274,728

 

$

274,560

 

$

271,297

 

$

269,324

 

$

273,679

 

Adjustments:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Goodwill

 

(6,106

)

 

(6,106

)

 

(6,106

)

 

(6,106

)

 

(6,106

)

Other intangible assets

 

(135

)

 

(151

)

 

(168

)

 

(189

)

 

(209

)

Tangible common shareholders' equity (Non-GAAP)

$

268,487

 

$

268,303

 

$

265,023

 

$

263,029

 

$

267,364

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Common shares outstanding

 

15,574,310

 

 

15,770,645

 

 

15,966,216

 

 

16,097,867

 

 

16,634,237

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Book value per share (GAAP)

$

17.64

 

$

17.41

 

$

16.99

 

$

16.73

 

$

16.45

 

Adjustments:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Effects of intangible assets

 

(0.40

)

 

(0.40

)

 

(0.39

)

 

(0.39

)

 

(0.38

)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tangible book value per common share (Non-GAAP)

$

17.24

 

$

17.01

 

$

16.60

 

$

16.34

 

$

16.07

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

13

 

 

 

 

 

 

PCSB Financial Corporation and Subsidiaries

Reconciliation of GAAP to Non-GAAP Measures (unaudited) - Continued

(dollar amounts in thousands, except share and per share data)

 

 

 

Quarter Ended

 

 

September 30,

2021

 

June 30,

2021

 

September 30,

2020

 

Computation of Adjusted Yield on Assets and Adjusted Net Interest Margin, Excluding PPP interest and fee income

 

Average interest-earning assets

$

1,788,756

 

$

1,799,367

 

$

1,725,925

 

 

 

 

 

 

 

 

 

 

 

Interest and dividend income (GAAP)

$

14,227

 

$

14,586

 

$

14,528

 

Less: PPP interest and fee income

 

(381

)

 

(516

)

 

(217

)

Adjusted interest and dividend income (Non-GAAP)

$

13,846

 

$

14,070

 

$

14,311

 

 

 

 

 

 

 

 

 

 

 

Yield on interest-earning assets (GAAP)

 

3.20

%

 

3.26

%

 

3.37

%

Adjusted yield on interest-earning assets (Non-GAAP)

 

3.10

%

 

3.13

%

 

3.32

%

 

 

 

 

 

 

 

 

 

 

Net interest income (GAAP)

$

12,535

 

$

12,581

 

$

11,577

 

Less: PPP interest and fee income

 

(381

)

 

(516

)

 

(217

)

Adjusted net interest income (Non-GAAP)

$

12,154

 

$

12,065

 

$

11,360

 

 

 

 

 

 

 

 

 

 

 

Net interest margin (GAAP)

 

2.82

%

 

2.81

%

 

2.69

%

Adjusted net interest margin (Non-GAAP)

 

2.72

%

 

2.68

%

 

2.63

%

 

14

 

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