Call reports 2011
WESTBURY BANK — 2011
What WESTBURY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q3 | 2011Q4 |
|---|---|---|
| Total assets | 619,414,000 | 577,592,000 |
| Total loans | 422,181,000 | 407,195,000 |
| Allowance for loan losses | 4,314,000 | 7,116,000 |
| Securities available for sale | 96,714,000 | 99,119,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 552,409,000 | 524,528,000 |
| Interest-bearing deposits | 537,397,000 | 511,873,000 |
| Noninterest-bearing deposits | 15,012,000 | 12,655,000 |
| Equity capital | 53,169,000 | 46,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q3 | 2011Q4 |
|---|---|---|
| Interest income | 18,354,000 | 24,136,000 |
| Interest expense | 4,583,000 | 5,701,000 |
| Net interest income | 13,771,000 | 18,435,000 |
| Noninterest income | 6,423,000 | 5,460,000 |
| Noninterest expense | 18,500,000 | 25,690,000 |
| Provision for loan losses | 3,990,000 | 7,533,000 |
| Pretax income | -1,769,000 | -8,727,000 |
| Income tax | -807,000 | -1,183,000 |
| Net income | -962,000 | -7,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q3 | 2011Q4 |
|---|---|---|
| Tier 1 capital | 44,246,000 | 38,134,000 |
| Total capital | 48,560,000 | 42,502,000 |
| Risk-weighted assets | 419,386,000 | 398,818,000 |