Call reports 2012
WESTCHESTER BANK, THE — 2012
What WESTCHESTER BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 268,151,000 | 289,260,000 | 298,630,000 | 324,514,000 |
| Total loans | 185,851,000 | 213,222,000 | 235,813,000 | 265,386,000 |
| Allowance for loan losses | 3,315,000 | 3,792,000 | 4,282,000 | 4,878,000 |
| Securities available for sale | 53,625,000 | 49,176,000 | 48,880,000 | 43,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,816,000 | 241,190,000 | 232,366,000 | 240,017,000 |
| Interest-bearing deposits | 167,375,000 | 169,840,000 | 171,731,000 | 177,171,000 |
| Noninterest-bearing deposits | 53,441,000 | 71,350,000 | 60,635,000 | 62,846,000 |
| Equity capital | 45,545,000 | 46,175,000 | 46,747,000 | 47,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,927,000 | 5,990,000 | 9,256,000 | 12,683,000 |
| Interest expense | 459,000 | 903,000 | 1,319,000 | 1,747,000 |
| Net interest income | 2,468,000 | 5,087,000 | 7,937,000 | 10,936,000 |
| Noninterest income | 90,000 | 250,000 | 414,000 | 603,000 |
| Noninterest expense | 1,590,000 | 3,301,000 | 5,007,000 | 6,875,000 |
| Provision for loan losses | 505,000 | 1,038,000 | 1,518,000 | 2,158,000 |
| Pretax income | 485,000 | 1,020,000 | 1,881,000 | 2,561,000 |
| Income tax | 202,000 | 376,000 | 741,000 | 1,055,000 |
| Net income | 283,000 | 644,000 | 1,140,000 | 1,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,793,000 | 44,030,000 | 44,424,000 | 44,919,000 |
| Total capital | 45,125,000 | 46,778,000 | 47,351,000 | 48,136,000 |
| Risk-weighted assets | 185,570,000 | 218,804,000 | 232,811,000 | 255,728,000 |