Call reports 2011
WESTCHESTER BANK, THE — 2011
What WESTCHESTER BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 197,161,000 | 240,149,000 | 236,623,000 | 262,298,000 |
| Total loans | 127,151,000 | 140,147,000 | 156,911,000 | 170,125,000 |
| Allowance for loan losses | 1,961,000 | 2,276,000 | 2,695,000 | 2,774,000 |
| Securities available for sale | 48,349,000 | 49,743,000 | 53,555,000 | 57,094,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,365,000 | 196,104,000 | 190,863,000 | 215,216,000 |
| Interest-bearing deposits | 143,653,000 | 152,101,000 | 151,878,000 | 157,997,000 |
| Noninterest-bearing deposits | 33,712,000 | 44,003,000 | 38,985,000 | 57,219,000 |
| Equity capital | 18,057,000 | 42,105,000 | 43,486,000 | 45,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,340,000 | 4,750,000 | 7,416,000 | 10,228,000 |
| Interest expense | 408,000 | 842,000 | 1,291,000 | 1,764,000 |
| Net interest income | 1,932,000 | 3,908,000 | 6,125,000 | 8,464,000 |
| Noninterest income | 74,000 | 153,000 | 235,000 | 322,000 |
| Noninterest expense | 1,465,000 | 2,930,000 | 4,513,000 | 5,991,000 |
| Provision for loan losses | 276,000 | 583,000 | 995,000 | 1,586,000 |
| Pretax income | 377,000 | 660,000 | 964,000 | 1,321,000 |
| Income tax | 0 | 0 | 0 | -1,513,000 |
| Net income | 377,000 | 660,000 | 964,000 | 2,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,131,000 | 40,918,000 | 42,160,000 | 42,989,000 |
| Total capital | 18,726,000 | 42,709,000 | 44,156,000 | 45,164,000 |
| Risk-weighted assets | 127,187,000 | 142,897,000 | 158,967,000 | 173,376,000 |