Call reports 2016
WESTCHESTER BANK, THE — 2016
What WESTCHESTER BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 605,049,000 | 678,308,000 | 685,969,000 | 720,459,000 |
| Total loans | 508,777,000 | 554,412,000 | 584,113,000 | 604,558,000 |
| Allowance for loan losses | 8,925,000 | 9,249,000 | 9,776,000 | 10,276,000 |
| Securities available for sale | 24,661,000 | 21,198,000 | 19,022,000 | 17,568,000 |
| Securities held to maturity | 42,587,000 | 41,693,000 | 42,925,000 | 48,405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 484,826,000 | 571,138,000 | 567,698,000 | 591,346,000 |
| Interest-bearing deposits | 350,130,000 | 391,351,000 | 388,128,000 | 405,819,000 |
| Noninterest-bearing deposits | 134,696,000 | 179,787,000 | 179,570,000 | 185,527,000 |
| Equity capital | 61,275,000 | 62,845,000 | 64,245,000 | 65,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,325,000 | 12,843,000 | 19,619,000 | 26,578,000 |
| Interest expense | 839,000 | 1,706,000 | 2,550,000 | 3,426,000 |
| Net interest income | 5,486,000 | 11,137,000 | 17,069,000 | 23,152,000 |
| Noninterest income | 198,000 | 416,000 | 641,000 | 848,000 |
| Noninterest expense | 3,430,000 | 6,792,000 | 10,290,000 | 13,923,000 |
| Provision for loan losses | 275,000 | 700,000 | 1,200,000 | 1,700,000 |
| Pretax income | 1,979,000 | 4,073,000 | 6,256,000 | 8,413,000 |
| Income tax | 662,000 | 1,375,000 | 2,109,000 | 2,692,000 |
| Net income | 1,317,000 | 2,698,000 | 4,147,000 | 5,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,033,000 | 62,457,000 | 63,929,000 | 65,547,000 |
| Total capital | 67,400,000 | 69,294,000 | 71,073,000 | 73,017,000 |
| Risk-weighted assets | 506,254,000 | 543,830,000 | 568,098,000 | 593,840,000 |