Call reports 2015
WESTBURY BANK — 2015
What WESTBURY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 604,840,000 | 626,055,000 | 636,789,000 | 668,453,000 |
| Total loans | 473,523,000 | 492,537,000 | 498,454,000 | 502,265,000 |
| Allowance for loan losses | 4,483,000 | 4,536,000 | 4,598,000 | 4,747,000 |
| Securities available for sale | 76,457,000 | 79,011,000 | 80,170,000 | 84,151,000 |
| Securities held to maturity | 3,025,000 | 2,459,000 | 2,459,000 | 2,459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 514,264,000 | 525,858,000 | 537,363,000 | 559,103,000 |
| Interest-bearing deposits | 426,364,000 | 434,405,000 | 432,774,000 | 447,894,000 |
| Noninterest-bearing deposits | 87,900,000 | 91,453,000 | 104,589,000 | 111,209,000 |
| Equity capital | 69,299,000 | 69,094,000 | 70,976,000 | 70,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,089,000 | 10,368,000 | 15,860,000 | 21,453,000 |
| Interest expense | 491,000 | 1,040,000 | 1,621,000 | 2,240,000 |
| Net interest income | 4,598,000 | 9,328,000 | 14,239,000 | 19,213,000 |
| Noninterest income | 1,657,000 | 3,026,000 | 4,615,000 | 6,255,000 |
| Noninterest expense | 5,105,000 | 10,751,000 | 16,969,000 | 21,671,000 |
| Provision for loan losses | 300,000 | 450,000 | 600,000 | 750,000 |
| Pretax income | 850,000 | 1,172,000 | 1,310,000 | 3,074,000 |
| Income tax | 288,000 | 383,000 | -1,937,000 | -1,283,000 |
| Net income | 562,000 | 789,000 | 3,247,000 | 4,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,023,000 | 64,099,000 | 64,155,000 | 64,178,000 |
| Total capital | 68,506,000 | 68,635,000 | 68,753,000 | 68,925,000 |
| Risk-weighted assets | 485,619,000 | 508,408,000 | 523,901,000 | 530,620,000 |