Call reports 2018
WESTCHESTER BANK, THE — 2018
What WESTCHESTER BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 829,324,000 | 847,293,000 | 867,829,000 | 906,805,000 |
| Total loans | 706,320,000 | 724,271,000 | 745,363,000 | 760,883,000 |
| Allowance for loan losses | 11,391,000 | 10,887,000 | 11,337,000 | 11,929,000 |
| Securities available for sale | 18,353,000 | 17,670,000 | 16,902,000 | 16,355,000 |
| Securities held to maturity | 55,015,000 | 52,155,000 | 52,591,000 | 54,502,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 638,909,000 | 668,041,000 | 687,277,000 | 717,777,000 |
| Interest-bearing deposits | 440,698,000 | 441,196,000 | 451,843,000 | 487,833,000 |
| Noninterest-bearing deposits | 198,211,000 | 226,845,000 | 235,434,000 | 229,944,000 |
| Equity capital | 97,452,000 | 100,161,000 | 105,479,000 | 108,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 8,731,000 | 18,010,000 | 27,686,000 | 37,840,000 |
| Interest expense | 1,089,000 | 2,424,000 | 4,022,000 | 5,739,000 |
| Net interest income | 7,642,000 | 15,586,000 | 23,664,000 | 32,101,000 |
| Noninterest income | 264,000 | 529,000 | 813,000 | 1,097,000 |
| Noninterest expense | 4,313,000 | 8,719,000 | 12,971,000 | 17,138,000 |
| Provision for loan losses | 300,000 | 675,000 | 1,125,000 | 1,725,000 |
| Pretax income | 3,293,000 | 6,721,000 | 10,381,000 | 14,332,000 |
| Income tax | 756,000 | 1,535,000 | 2,377,000 | 3,261,000 |
| Net income | 2,537,000 | 5,186,000 | 8,004,000 | 11,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,571,000 | 100,306,000 | 105,710,000 | 108,864,000 |
| Total capital | 106,829,000 | 109,669,000 | 115,285,000 | 118,911,000 |
| Risk-weighted assets | 737,077,000 | 746,034,000 | 762,638,000 | 800,155,000 |