Call reports 2013
WESTBURY BANK — 2013
What WESTBURY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 583,570,000 | 534,350,000 | 525,145,000 | 517,360,000 |
| Total loans | 361,141,000 | 343,789,000 | 348,074,000 | 350,281,000 |
| Allowance for loan losses | 5,380,000 | 4,563,000 | 4,266,000 | 3,742,000 |
| Securities available for sale | 66,986,000 | 90,579,000 | 97,130,000 | 100,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 527,817,000 | 456,192,000 | 447,630,000 | 440,026,000 |
| Interest-bearing deposits | 511,585,000 | 440,892,000 | 433,117,000 | 426,064,000 |
| Noninterest-bearing deposits | 16,232,000 | 15,300,000 | 14,513,000 | 13,962,000 |
| Equity capital | 48,109,000 | 67,241,000 | 67,438,000 | 67,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,696,000 | 9,322,000 | 13,885,000 | 18,372,000 |
| Interest expense | 533,000 | 1,021,000 | 1,536,000 | 1,993,000 |
| Net interest income | 4,163,000 | 8,301,000 | 12,349,000 | 16,379,000 |
| Noninterest income | 2,129,000 | 3,903,000 | 5,672,000 | 7,184,000 |
| Noninterest expense | 4,991,000 | 10,399,000 | 15,725,000 | 20,935,000 |
| Provision for loan losses | 820,000 | 970,000 | 1,050,000 | 1,200,000 |
| Pretax income | 494,000 | 847,000 | 1,259,000 | 1,441,000 |
| Income tax | 153,000 | 251,000 | 372,000 | 402,000 |
| Net income | 341,000 | 596,000 | 887,000 | 1,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,321,000 | 62,029,000 | 62,255,000 | 62,461,000 |
| Total capital | 47,174,000 | 66,488,000 | 66,521,000 | 66,204,000 |
| Risk-weighted assets | 387,746,000 | 356,603,000 | 352,891,000 | 348,740,000 |