Call reports 2013
WESTCHESTER BANK, THE — 2013
What WESTCHESTER BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 333,260,000 | 382,406,000 | 418,073,000 | 426,504,000 |
| Total loans | 268,226,000 | 292,399,000 | 306,314,000 | 326,245,000 |
| Allowance for loan losses | 5,154,000 | 5,473,000 | 5,703,000 | 6,111,000 |
| Securities available for sale | 39,757,000 | 37,143,000 | 43,424,000 | 9,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 33,926,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,519,000 | 299,624,000 | 327,326,000 | 338,434,000 |
| Interest-bearing deposits | 190,648,000 | 211,878,000 | 228,612,000 | 231,980,000 |
| Noninterest-bearing deposits | 67,871,000 | 87,746,000 | 98,714,000 | 106,454,000 |
| Equity capital | 47,799,000 | 47,989,000 | 48,529,000 | 49,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,556,000 | 7,408,000 | 11,373,000 | 15,564,000 |
| Interest expense | 460,000 | 986,000 | 1,591,000 | 2,224,000 |
| Net interest income | 3,096,000 | 6,422,000 | 9,782,000 | 13,340,000 |
| Noninterest income | 171,000 | 345,000 | 549,000 | 737,000 |
| Noninterest expense | 2,015,000 | 4,153,000 | 6,401,000 | 8,461,000 |
| Provision for loan losses | 270,000 | 581,000 | 811,000 | 1,218,000 |
| Pretax income | 982,000 | 2,087,000 | 3,191,000 | 4,470,000 |
| Income tax | 374,000 | 802,000 | 1,161,000 | 1,832,000 |
| Net income | 608,000 | 1,285,000 | 2,030,000 | 2,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,997,000 | 45,620,000 | 45,944,000 | 46,520,000 |
| Total capital | 48,358,000 | 49,223,000 | 49,740,000 | 50,463,000 |
| Risk-weighted assets | 267,055,000 | 288,242,000 | 301,796,000 | 325,399,000 |