Call reports 2015
WESTCHESTER BANK, THE — 2015
What WESTCHESTER BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 522,049,000 | 562,629,000 | 570,268,000 | 619,797,000 |
| Total loans | 399,283,000 | 429,424,000 | 470,173,000 | 509,211,000 |
| Allowance for loan losses | 7,552,000 | 7,601,000 | 8,000,000 | 8,650,000 |
| Securities available for sale | 20,745,000 | 28,112,000 | 27,802,000 | 27,194,000 |
| Securities held to maturity | 35,676,000 | 43,910,000 | 41,948,000 | 42,801,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,718,000 | 475,487,000 | 476,353,000 | 476,041,000 |
| Interest-bearing deposits | 304,322,000 | 315,087,000 | 338,270,000 | 337,713,000 |
| Noninterest-bearing deposits | 132,396,000 | 160,400,000 | 138,083,000 | 138,328,000 |
| Equity capital | 56,244,000 | 57,206,000 | 58,525,000 | 59,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,224,000 | 10,461,000 | 16,094,000 | 22,240,000 |
| Interest expense | 749,000 | 1,455,000 | 2,200,000 | 3,005,000 |
| Net interest income | 4,475,000 | 9,006,000 | 13,894,000 | 19,235,000 |
| Noninterest income | 189,000 | 390,000 | 708,000 | 900,000 |
| Noninterest expense | 2,852,000 | 5,835,000 | 8,762,000 | 12,018,000 |
| Provision for loan losses | 150,000 | 200,000 | 600,000 | 1,250,000 |
| Pretax income | 1,662,000 | 3,361,000 | 5,240,000 | 6,867,000 |
| Income tax | 610,000 | 1,236,000 | 1,908,000 | 2,212,000 |
| Net income | 1,052,000 | 2,125,000 | 3,332,000 | 4,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,969,000 | 57,076,000 | 58,318,000 | 59,673,000 |
| Total capital | 61,257,000 | 62,812,000 | 64,318,000 | 66,013,000 |
| Risk-weighted assets | 420,588,000 | 456,751,000 | 477,623,000 | 504,435,000 |