Call reports 2021
WESTCHESTER BANK, THE — 2021
What WESTCHESTER BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 |
|---|---|---|---|
| Total assets | 1,313,073,000 | 1,328,055,000 | 1,280,654,000 |
| Total loans | 910,486,000 | 907,551,000 | 906,163,000 |
| Allowance for loan losses | 14,999,000 | 14,999,000 | 14,999,000 |
| Securities available for sale | 72,675,000 | 87,263,000 | 59,201,000 |
| Securities held to maturity | 59,356,000 | 57,878,000 | 53,024,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 1,118,205,000 | 1,133,947,000 | 1,082,870,000 |
| Interest-bearing deposits | 744,862,000 | 735,390,000 | 682,604,000 |
| Noninterest-bearing deposits | 373,343,000 | 398,557,000 | 400,266,000 |
| Equity capital | 132,068,000 | 136,756,000 | 140,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 |
|---|---|---|---|
| Interest income | 10,428,000 | 21,129,000 | 32,004,000 |
| Interest expense | 1,037,000 | 2,079,000 | 3,073,000 |
| Net interest income | 9,391,000 | 19,050,000 | 28,931,000 |
| Noninterest income | 488,000 | 922,000 | 1,344,000 |
| Noninterest expense | 4,257,000 | 8,465,000 | 13,282,000 |
| Provision for loan losses | 300,000 | 300,000 | 300,000 |
| Pretax income | 5,322,000 | 11,207,000 | 16,693,000 |
| Income tax | 1,265,000 | 2,700,000 | 4,014,000 |
| Net income | 4,057,000 | 8,507,000 | 12,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 |
|---|---|---|---|
| Tier 1 capital | 131,528,000 | 136,138,000 | 140,470,000 |
| Total capital | 143,519,000 | 148,350,000 | 152,638,000 |
| Risk-weighted assets | 954,485,000 | 972,329,000 | 968,815,000 |