Call reports 2010
WESTCHESTER BANK, THE — 2010
What WESTCHESTER BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 158,668,000 | 180,809,000 | 177,700,000 | 205,510,000 |
| Total loans | 80,885,000 | 95,608,000 | 110,853,000 | 122,728,000 |
| Allowance for loan losses | 940,000 | 1,263,000 | 1,502,000 | 1,686,000 |
| Securities available for sale | 11,627,000 | 11,475,000 | 11,770,000 | 51,874,000 |
| Securities held to maturity | 33,035,000 | 37,077,000 | 35,486,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,200,000 | 163,867,000 | 160,285,000 | 185,781,000 |
| Interest-bearing deposits | 120,185,000 | 132,503,000 | 136,086,000 | 137,981,000 |
| Noninterest-bearing deposits | 22,015,000 | 31,364,000 | 24,199,000 | 47,800,000 |
| Equity capital | 15,430,000 | 15,409,000 | 15,654,000 | 17,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,745,000 | 3,725,000 | 5,993,000 | 8,273,000 |
| Interest expense | 470,000 | 966,000 | 1,413,000 | 1,864,000 |
| Net interest income | 1,275,000 | 2,759,000 | 4,580,000 | 6,409,000 |
| Noninterest income | 24,000 | 62,000 | 95,000 | 160,000 |
| Noninterest expense | 1,258,000 | 2,580,000 | 3,959,000 | 5,355,000 |
| Provision for loan losses | 144,000 | 467,000 | 706,000 | 950,000 |
| Pretax income | -103,000 | -226,000 | 10,000 | 484,000 |
| Income tax | 0 | 0 | 0 | -659,000 |
| Net income | -103,000 | -226,000 | 10,000 | 1,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,312,000 | 15,203,000 | 15,451,000 | 16,856,000 |
| Total capital | 16,102,000 | 16,469,000 | 16,807,000 | 18,488,000 |
| Risk-weighted assets | 94,685,000 | 109,605,000 | 108,292,000 | 130,512,000 |