Call reports 2001
HARRIS BANK WESTCHESTER — 2001
What HARRIS BANK WESTCHESTER reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 169,572,000 | 174,916,000 | 183,570,000 | 187,919,000 |
| Total loans | 76,644,000 | 80,774,000 | 98,534,000 | 105,034,000 |
| Allowance for loan losses | 881,000 | 942,000 | 961,000 | 1,110,000 |
| Securities available for sale | 84,844,000 | 87,324,000 | 68,060,000 | 75,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,342,000 | 159,588,000 | 163,881,000 | 168,497,000 |
| Interest-bearing deposits | 145,813,000 | 149,907,000 | 153,623,000 | 158,762,000 |
| Noninterest-bearing deposits | 8,529,000 | 9,681,000 | 10,258,000 | 9,735,000 |
| Equity capital | 12,743,000 | 12,988,000 | 13,753,000 | 13,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,690,000 | 5,361,000 | 8,034,000 | 10,623,000 |
| Interest expense | 1,641,000 | 3,138,000 | 4,532,000 | 5,676,000 |
| Net interest income | 1,049,000 | 2,223,000 | 3,502,000 | 4,947,000 |
| Noninterest income | 226,000 | 464,000 | 703,000 | 971,000 |
| Noninterest expense | 935,000 | 1,913,000 | 2,864,000 | 3,808,000 |
| Provision for loan losses | 27,000 | 36,000 | 63,000 | 224,000 |
| Pretax income | 330,000 | 830,000 | 1,638,000 | 2,246,000 |
| Income tax | 45,000 | 156,000 | 394,000 | 560,000 |
| Net income | 285,000 | 674,000 | 1,244,000 | 1,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,885,000 | 12,173,000 | 12,752,000 | 13,026,000 |
| Total capital | 12,766,000 | 13,115,000 | 13,713,000 | 14,136,000 |
| Risk-weighted assets | 86,556,000 | 90,211,000 | 100,509,000 | 100,341,000 |