Call reports 2003
HARRIS BANK WESTCHESTER — 2003
What HARRIS BANK WESTCHESTER reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 208,383,000 | 212,198,000 | 200,626,000 | 204,857,000 |
| Total loans | 157,561,000 | 168,308,000 | 161,068,000 | 166,654,000 |
| Allowance for loan losses | 1,797,000 | 1,890,000 | 1,964,000 | 2,046,000 |
| Securities available for sale | 43,353,000 | 39,448,000 | 37,077,000 | 33,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,836,000 | 184,045,000 | 178,932,000 | 181,355,000 |
| Interest-bearing deposits | 177,948,000 | 165,487,000 | 159,378,000 | 162,644,000 |
| Noninterest-bearing deposits | 11,888,000 | 18,558,000 | 19,554,000 | 18,711,000 |
| Equity capital | 16,138,000 | 15,950,000 | 15,734,000 | 15,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,517,000 | 5,004,000 | 7,368,000 | 9,740,000 |
| Interest expense | 812,000 | 1,575,000 | 2,232,000 | 2,832,000 |
| Net interest income | 1,705,000 | 3,429,000 | 5,136,000 | 6,908,000 |
| Noninterest income | 255,000 | 598,000 | 930,000 | 1,188,000 |
| Noninterest expense | 1,122,000 | 2,267,000 | 3,390,000 | 4,587,000 |
| Provision for loan losses | 124,000 | 248,000 | 371,000 | 491,000 |
| Pretax income | 714,000 | 1,517,000 | 2,309,000 | 3,030,000 |
| Income tax | 222,000 | 478,000 | 728,000 | 954,000 |
| Net income | 492,000 | 1,039,000 | 1,581,000 | 2,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,235,000 | 14,985,000 | 15,033,000 | 14,932,000 |
| Total capital | 18,017,000 | 18,875,000 | 18,940,000 | 18,898,000 |
| Risk-weighted assets | 142,582,000 | 155,422,000 | 152,505,000 | 157,210,000 |