Call reports 2005
HARRIS BANK WESTCHESTER — 2005
What HARRIS BANK WESTCHESTER reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 |
|---|---|
| Total assets | 208,642,000 |
| Total loans | 170,258,000 |
| Allowance for loan losses | 1,994,000 |
| Securities available for sale | 24,030,000 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 189,216,000 |
| Interest-bearing deposits | 170,276,000 |
| Noninterest-bearing deposits | 18,940,000 |
| Equity capital | 16,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 |
|---|---|
| Interest income | 2,347,000 |
| Interest expense | 780,000 |
| Net interest income | 1,567,000 |
| Noninterest income | 237,000 |
| Noninterest expense | 1,009,000 |
| Provision for loan losses | 0 |
| Pretax income | 795,000 |
| Income tax | 268,000 |
| Net income | 527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 |
|---|---|
| Tier 1 capital | 16,088,000 |
| Total capital | 20,067,000 |
| Risk-weighted assets | 158,286,000 |