Call reports 2017
WESTBURY BANK — 2017
What WESTBURY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 756,622,000 | 797,370,000 | 792,005,000 | 809,717,000 |
| Total loans | 557,448,000 | 578,124,000 | 608,575,000 | 621,605,000 |
| Allowance for loan losses | 5,560,000 | 5,612,000 | 5,760,000 | 5,765,000 |
| Securities available for sale | 115,167,000 | 122,300,000 | 122,566,000 | 114,914,000 |
| Securities held to maturity | 2,293,000 | 2,125,000 | 2,125,000 | 2,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 647,263,000 | 691,295,000 | 681,259,000 | 680,144,000 |
| Interest-bearing deposits | 530,455,000 | 555,769,000 | 551,905,000 | 543,221,000 |
| Noninterest-bearing deposits | 116,808,000 | 135,526,000 | 129,354,000 | 136,923,000 |
| Equity capital | 73,129,000 | 74,634,000 | 75,253,000 | 75,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 6,092,000 | 12,535,000 | 19,321,000 | 26,293,000 |
| Interest expense | 824,000 | 1,759,000 | 2,776,000 | 3,820,000 |
| Net interest income | 5,268,000 | 10,776,000 | 16,545,000 | 22,473,000 |
| Noninterest income | 1,486,000 | 2,995,000 | 4,520,000 | 6,060,000 |
| Noninterest expense | 5,307,000 | 10,868,000 | 17,102,000 | 22,634,000 |
| Provision for loan losses | 100,000 | 150,000 | 250,000 | 250,000 |
| Pretax income | 1,348,000 | 2,774,000 | 3,725,000 | 5,666,000 |
| Income tax | 497,000 | 1,015,000 | 1,348,000 | 2,767,000 |
| Net income | 851,000 | 1,759,000 | 2,377,000 | 2,899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,685,000 | 74,148,000 | 75,293,000 | 76,568,000 |
| Total capital | 78,245,000 | 79,760,000 | 81,053,000 | 82,333,000 |
| Risk-weighted assets | 608,056,000 | 625,229,000 | 640,277,000 | 646,148,000 |