Call reports 2014
WESTBURY BANK — 2014
What WESTBURY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 529,158,000 | 540,464,000 | 555,371,000 | 581,261,000 |
| Total loans | 361,274,000 | 385,438,000 | 421,272,000 | 444,478,000 |
| Allowance for loan losses | 3,898,000 | 4,039,000 | 4,072,000 | 4,224,000 |
| Securities available for sale | 87,870,000 | 92,888,000 | 83,756,000 | 76,427,000 |
| Securities held to maturity | 0 | 0 | 0 | 3,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,086,000 | 454,401,000 | 462,305,000 | 473,772,000 |
| Interest-bearing deposits | 439,299,000 | 439,684,000 | 447,032,000 | 384,175,000 |
| Noninterest-bearing deposits | 14,787,000 | 14,717,000 | 15,273,000 | 89,597,000 |
| Equity capital | 66,594,000 | 67,287,000 | 67,530,000 | 68,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,434,000 | 8,897,000 | 13,687,000 | 18,537,000 |
| Interest expense | 431,000 | 858,000 | 1,309,000 | 1,770,000 |
| Net interest income | 4,003,000 | 8,039,000 | 12,378,000 | 16,767,000 |
| Noninterest income | 1,393,000 | 2,837,000 | 4,270,000 | 5,838,000 |
| Noninterest expense | 8,047,000 | 13,427,000 | 18,579,000 | 23,465,000 |
| Provision for loan losses | 200,000 | 200,000 | 400,000 | 750,000 |
| Pretax income | -2,823,000 | -2,723,000 | -2,288,000 | -1,496,000 |
| Income tax | -1,153,000 | -1,168,000 | -1,053,000 | -799,000 |
| Net income | -1,670,000 | -1,555,000 | -1,235,000 | -697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,173,000 | 60,687,000 | 61,109,000 | 62,087,000 |
| Total capital | 64,071,000 | 64,726,000 | 65,181,000 | 66,311,000 |
| Risk-weighted assets | 356,437,000 | 376,339,000 | 402,899,000 | 419,304,000 |