Call reports 2016
WESTBURY BANK — 2016
What WESTBURY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 652,964,000 | 669,063,000 | 702,748,000 | 733,578,000 |
| Total loans | 514,269,000 | 526,581,000 | 540,883,000 | 549,827,000 |
| Allowance for loan losses | 4,863,000 | 5,062,000 | 5,244,000 | 5,451,000 |
| Securities available for sale | 81,861,000 | 87,190,000 | 93,718,000 | 101,951,000 |
| Securities held to maturity | 2,459,000 | 2,293,000 | 2,293,000 | 2,293,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 552,505,000 | 567,174,000 | 597,662,000 | 630,984,000 |
| Interest-bearing deposits | 453,062,000 | 459,377,000 | 483,811,000 | 502,575,000 |
| Noninterest-bearing deposits | 99,443,000 | 107,797,000 | 113,851,000 | 128,409,000 |
| Equity capital | 71,680,000 | 72,808,000 | 73,333,000 | 72,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,703,000 | 11,466,000 | 17,347,000 | 23,271,000 |
| Interest expense | 673,000 | 1,382,000 | 2,107,000 | 2,856,000 |
| Net interest income | 5,030,000 | 10,084,000 | 15,240,000 | 20,415,000 |
| Noninterest income | 1,488,000 | 2,886,000 | 4,498,000 | 6,425,000 |
| Noninterest expense | 4,867,000 | 9,878,000 | 15,609,000 | 21,249,000 |
| Provision for loan losses | 125,000 | 375,000 | 625,000 | 825,000 |
| Pretax income | 1,535,000 | 2,936,000 | 4,061,000 | 5,327,000 |
| Income tax | 586,000 | 1,012,000 | 1,409,000 | 1,843,000 |
| Net income | 949,000 | 1,924,000 | 2,652,000 | 3,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,888,000 | 67,298,000 | 71,383,000 | 72,012,000 |
| Total capital | 70,751,000 | 72,360,000 | 76,627,000 | 77,463,000 |
| Risk-weighted assets | 537,312,000 | 557,089,000 | 566,042,000 | 595,254,000 |