Call reports 2019
WESTCHESTER BANK, THE — 2019
What WESTCHESTER BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 894,873,000 | 898,778,000 | 886,217,000 | 992,924,000 |
| Total loans | 766,938,000 | 768,570,000 | 752,453,000 | 839,944,000 |
| Allowance for loan losses | 12,075,000 | 12,124,000 | 12,124,000 | 12,124,000 |
| Securities available for sale | 15,979,000 | 18,307,000 | 17,332,000 | 16,720,000 |
| Securities held to maturity | 59,132,000 | 58,061,000 | 57,624,000 | 59,225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 718,386,000 | 728,124,000 | 692,222,000 | 812,911,000 |
| Interest-bearing deposits | 498,483,000 | 501,996,000 | 480,776,000 | 513,890,000 |
| Noninterest-bearing deposits | 219,903,000 | 226,128,000 | 211,446,000 | 299,021,000 |
| Equity capital | 112,151,000 | 115,894,000 | 119,535,000 | 123,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 10,378,000 | 21,011,000 | 31,450,000 | 42,122,000 |
| Interest expense | 1,924,000 | 3,909,000 | 5,940,000 | 8,088,000 |
| Net interest income | 8,454,000 | 17,102,000 | 25,510,000 | 34,034,000 |
| Noninterest income | 275,000 | 555,000 | 848,000 | 1,149,000 |
| Noninterest expense | 4,456,000 | 8,926,000 | 13,183,000 | 17,324,000 |
| Provision for loan losses | 150,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | 4,123,000 | 8,531,000 | 12,975,000 | 17,650,000 |
| Income tax | 992,000 | 2,025,000 | 3,071,000 | 3,882,000 |
| Net income | 3,131,000 | 6,506,000 | 9,904,000 | 13,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,101,000 | 115,780,000 | 119,278,000 | 123,382,000 |
| Total capital | 122,085,000 | 125,840,000 | 129,090,000 | 134,344,000 |
| Risk-weighted assets | 794,814,000 | 800,956,000 | 780,784,000 | 873,933,000 |