Call reports 2004
HARRIS BANK WESTCHESTER — 2004
What HARRIS BANK WESTCHESTER reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 208,419,000 | 211,164,000 | 211,263,000 | 207,408,000 |
| Total loans | 166,433,000 | 174,785,000 | 174,165,000 | 176,140,000 |
| Allowance for loan losses | 2,138,000 | 2,124,000 | 2,053,000 | 1,979,000 |
| Securities available for sale | 33,028,000 | 32,178,000 | 28,947,000 | 25,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,064,000 | 188,273,000 | 187,175,000 | 188,059,000 |
| Interest-bearing deposits | 168,540,000 | 170,194,000 | 168,275,000 | 167,572,000 |
| Noninterest-bearing deposits | 20,524,000 | 18,079,000 | 18,900,000 | 20,487,000 |
| Equity capital | 16,028,000 | 15,636,000 | 16,325,000 | 16,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,280,000 | 4,514,000 | 6,801,000 | 9,132,000 |
| Interest expense | 570,000 | 1,174,000 | 1,816,000 | 2,542,000 |
| Net interest income | 1,710,000 | 3,340,000 | 4,985,000 | 6,590,000 |
| Noninterest income | 230,000 | 486,000 | 760,000 | 1,002,000 |
| Noninterest expense | 1,042,000 | 2,124,000 | 3,189,000 | 4,074,000 |
| Provision for loan losses | 120,000 | 160,000 | 160,000 | 185,000 |
| Pretax income | 778,000 | 1,542,000 | 2,407,000 | 3,344,000 |
| Income tax | 252,000 | 499,000 | 786,000 | 1,104,000 |
| Net income | 526,000 | 1,043,000 | 1,621,000 | 2,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,460,000 | 15,358,000 | 15,938,000 | 16,060,000 |
| Total capital | 19,425,000 | 19,434,000 | 19,961,000 | 20,039,000 |
| Risk-weighted assets | 157,037,000 | 166,002,000 | 161,813,000 | 162,017,000 |