Call reports 2009
WESTCHESTER BANK, THE — 2009
What WESTCHESTER BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 75,406,000 | 100,914,000 | 123,094,000 | 134,237,000 |
| Total loans | 22,833,000 | 32,843,000 | 54,812,000 | 68,464,000 |
| Allowance for loan losses | 230,000 | 329,000 | 584,000 | 796,000 |
| Securities available for sale | 10,258,000 | 6,069,000 | 7,651,000 | 9,851,000 |
| Securities held to maturity | 7,414,000 | 26,105,000 | 34,359,000 | 34,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,299,000 | 84,260,000 | 106,359,000 | 117,773,000 |
| Interest-bearing deposits | 48,383,000 | 71,843,000 | 92,874,000 | 101,694,000 |
| Noninterest-bearing deposits | 8,916,000 | 12,417,000 | 13,485,000 | 16,079,000 |
| Equity capital | 16,893,000 | 16,184,000 | 15,830,000 | 15,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 468,000 | 1,311,000 | 2,583,000 | 4,157,000 |
| Interest expense | 252,000 | 629,000 | 1,082,000 | 1,570,000 |
| Net interest income | 216,000 | 682,000 | 1,501,000 | 2,587,000 |
| Noninterest income | 5,000 | 19,000 | 41,000 | 60,000 |
| Noninterest expense | 855,000 | 1,832,000 | 2,830,000 | 4,045,000 |
| Provision for loan losses | 110,000 | 209,000 | 464,000 | 676,000 |
| Pretax income | -744,000 | -1,244,000 | -1,656,000 | -1,978,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -744,000 | -1,244,000 | -1,656,000 | -1,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,624,000 | 16,123,000 | 15,716,000 | 15,402,000 |
| Total capital | 16,854,000 | 16,452,000 | 16,300,000 | 16,127,000 |
| Risk-weighted assets | 34,503,000 | 50,269,000 | 63,026,000 | 72,311,000 |