Call reports 2017
WESTCHESTER BANK, THE — 2017
What WESTCHESTER BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 709,289,000 | 752,903,000 | 773,443,000 | 806,624,000 |
| Total loans | 604,546,000 | 638,651,000 | 649,310,000 | 686,392,000 |
| Allowance for loan losses | 10,378,000 | 10,578,000 | 10,828,000 | 11,069,000 |
| Securities available for sale | 16,833,000 | 16,267,000 | 18,575,000 | 19,160,000 |
| Securities held to maturity | 50,612,000 | 49,270,000 | 48,731,000 | 52,549,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 591,425,000 | 632,762,000 | 625,195,000 | 658,736,000 |
| Interest-bearing deposits | 418,569,000 | 451,193,000 | 452,802,000 | 440,283,000 |
| Noninterest-bearing deposits | 172,856,000 | 181,569,000 | 172,393,000 | 218,453,000 |
| Equity capital | 67,365,000 | 69,506,000 | 94,311,000 | 95,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 7,206,000 | 14,881,000 | 23,157,000 | 31,491,000 |
| Interest expense | 861,000 | 1,755,000 | 2,753,000 | 3,755,000 |
| Net interest income | 6,345,000 | 13,126,000 | 20,404,000 | 27,736,000 |
| Noninterest income | 197,000 | 396,000 | 596,000 | 821,000 |
| Noninterest expense | 3,910,000 | 7,750,000 | 11,918,000 | 15,997,000 |
| Provision for loan losses | 100,000 | 300,000 | 550,000 | 800,000 |
| Pretax income | 2,532,000 | 5,472,000 | 8,532,000 | 11,760,000 |
| Income tax | 833,000 | 1,809,000 | 2,831,000 | 5,336,000 |
| Net income | 1,699,000 | 3,663,000 | 5,701,000 | 6,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,304,000 | 69,325,000 | 94,171,000 | 94,948,000 |
| Total capital | 75,049,000 | 77,643,000 | 102,662,000 | 103,916,000 |
| Risk-weighted assets | 615,961,000 | 662,161,000 | 675,720,000 | 713,929,000 |