Call reports 2002
HARRIS BANK WESTCHESTER — 2002
What HARRIS BANK WESTCHESTER reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 190,293,000 | 195,597,000 | 200,311,000 | 202,333,000 |
| Total loans | 127,045,000 | 138,252,000 | 146,057,000 | 153,549,000 |
| Allowance for loan losses | 1,292,000 | 1,466,000 | 1,578,000 | 1,690,000 |
| Securities available for sale | 57,346,000 | 49,446,000 | 47,442,000 | 43,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,281,000 | 174,709,000 | 178,133,000 | 184,524,000 |
| Interest-bearing deposits | 160,819,000 | 165,432,000 | 167,610,000 | 173,532,000 |
| Noninterest-bearing deposits | 9,462,000 | 9,277,000 | 10,523,000 | 10,992,000 |
| Equity capital | 13,999,000 | 14,809,000 | 15,228,000 | 15,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,553,000 | 5,194,000 | 7,791,000 | 10,398,000 |
| Interest expense | 918,000 | 1,814,000 | 2,733,000 | 3,624,000 |
| Net interest income | 1,635,000 | 3,380,000 | 5,058,000 | 6,774,000 |
| Noninterest income | 237,000 | 477,000 | 740,000 | 1,000,000 |
| Noninterest expense | 1,035,000 | 2,021,000 | 3,157,000 | 4,224,000 |
| Provision for loan losses | 194,000 | 388,000 | 529,000 | 656,000 |
| Pretax income | 643,000 | 1,473,000 | 2,137,000 | 2,919,000 |
| Income tax | 179,000 | 436,000 | 629,000 | 875,000 |
| Net income | 464,000 | 1,037,000 | 1,508,000 | 2,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,494,000 | 13,972,000 | 14,197,000 | 14,737,000 |
| Total capital | 14,786,000 | 15,438,000 | 15,775,000 | 17,427,000 |
| Risk-weighted assets | 115,621,000 | 126,521,000 | 135,509,000 | 137,735,000 |