Call reports 2001
WESTBURY BANK — 2001
What WESTBURY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 |
|---|---|---|---|
| Total assets | 292,977,000 | 300,535,000 | 304,809,000 |
| Total loans | 226,941,000 | 218,892,000 | 217,295,000 |
| Allowance for loan losses | 1,221,000 | 1,428,000 | 1,380,000 |
| Securities available for sale | 19,128,000 | 19,468,000 | 18,509,000 |
| Securities held to maturity | 5,469,000 | 6,728,000 | 8,262,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 238,072,000 | 244,329,000 | 251,670,000 |
| Interest-bearing deposits | 205,829,000 | 213,726,000 | 238,977,000 |
| Noninterest-bearing deposits | 32,243,000 | 30,603,000 | 12,693,000 |
| Equity capital | 20,765,000 | 21,366,000 | 22,238,000 |
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 |
|---|---|---|---|
| Interest income | 4,938,000 | 9,827,000 | 14,712,000 |
| Interest expense | 2,742,000 | 5,279,000 | 7,704,000 |
| Net interest income | 2,196,000 | 4,548,000 | 7,008,000 |
| Noninterest income | 1,974,000 | 4,315,000 | 6,772,000 |
| Noninterest expense | 3,339,000 | 6,961,000 | 10,567,000 |
| Provision for loan losses | 36,000 | 246,000 | 456,000 |
| Pretax income | 795,000 | 1,656,000 | 2,757,000 |
| Income tax | 266,000 | 553,000 | 940,000 |
| Net income | 529,000 | 1,103,000 | 1,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 |
|---|---|---|---|
| Tier 1 capital | 20,467,000 | 20,989,000 | 21,707,000 |
| Total capital | 21,688,000 | 22,417,000 | 23,087,000 |
| Risk-weighted assets | 176,130,000 | 178,564,000 | 187,370,000 |