Call reports 2012
WESTBURY BANK — 2012
What WESTBURY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 569,476,000 | 545,754,000 | 525,274,000 | 523,158,000 |
| Total loans | 402,572,000 | 392,140,000 | 385,611,000 | 375,942,000 |
| Allowance for loan losses | 7,470,000 | 6,197,000 | 6,690,000 | 5,968,000 |
| Securities available for sale | 77,363,000 | 63,195,000 | 64,532,000 | 57,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 518,244,000 | 494,040,000 | 473,563,000 | 469,827,000 |
| Interest-bearing deposits | 496,930,000 | 473,547,000 | 456,671,000 | 454,268,000 |
| Noninterest-bearing deposits | 21,314,000 | 20,493,000 | 16,892,000 | 15,559,000 |
| Equity capital | 47,290,000 | 47,205,000 | 47,353,000 | 47,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,678,000 | 11,099,000 | 16,338,000 | 21,374,000 |
| Interest expense | 825,000 | 1,550,000 | 2,192,000 | 2,793,000 |
| Net interest income | 4,853,000 | 9,549,000 | 14,146,000 | 18,581,000 |
| Noninterest income | 2,652,000 | 4,291,000 | 6,616,000 | 9,223,000 |
| Noninterest expense | 5,850,000 | 11,241,000 | 17,277,000 | 22,915,000 |
| Provision for loan losses | 750,000 | 2,040,000 | 3,019,000 | 3,349,000 |
| Pretax income | 1,107,000 | 928,000 | 887,000 | 2,180,000 |
| Income tax | 432,000 | 312,000 | 257,000 | 691,000 |
| Net income | 675,000 | 616,000 | 630,000 | 1,489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,440,000 | 38,983,000 | 39,308,000 | 40,401,000 |
| Total capital | 44,528,000 | 43,916,000 | 44,148,000 | 45,208,000 |
| Risk-weighted assets | 404,695,000 | 393,402,000 | 385,377,000 | 383,402,000 |