Call reports 2018
WESTBURY BANK — 2018
What WESTBURY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 801,259,000 | 808,356,000 | 817,184,000 | 841,135,000 |
| Total loans | 634,282,000 | 645,443,000 | 659,247,000 | 686,041,000 |
| Allowance for loan losses | 5,765,000 | 5,891,000 | 6,092,000 | 6,483,000 |
| Securities available for sale | 110,956,000 | 107,745,000 | 104,188,000 | 104,087,000 |
| Securities held to maturity | 2,125,000 | 1,954,000 | 1,954,000 | 1,954,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 678,459,000 | 674,918,000 | 681,588,000 | 692,188,000 |
| Interest-bearing deposits | 544,908,000 | 542,772,000 | 546,942,000 | 552,057,000 |
| Noninterest-bearing deposits | 133,551,000 | 132,146,000 | 134,646,000 | 140,131,000 |
| Equity capital | 74,453,000 | 75,468,000 | 75,747,000 | 78,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 7,033,000 | 14,429,000 | 22,266,000 | 30,432,000 |
| Interest expense | 1,132,000 | 2,418,000 | 3,818,000 | 5,342,000 |
| Net interest income | 5,901,000 | 12,011,000 | 18,448,000 | 25,090,000 |
| Noninterest income | 1,420,000 | 2,842,000 | 4,205,000 | 5,674,000 |
| Noninterest expense | 5,467,000 | 10,787,000 | 16,245,000 | 21,386,000 |
| Provision for loan losses | 50,000 | 200,000 | 400,000 | 850,000 |
| Pretax income | 1,804,000 | 3,836,000 | 5,939,000 | 8,467,000 |
| Income tax | 518,000 | 1,120,000 | 1,746,000 | 2,429,000 |
| Net income | 1,286,000 | 2,716,000 | 4,193,000 | 6,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,492,000 | 77,687,000 | 78,447,000 | 79,154,000 |
| Total capital | 82,257,000 | 83,578,000 | 84,539,000 | 85,637,000 |
| Risk-weighted assets | 679,238,000 | 674,018,000 | 677,956,000 | 694,605,000 |