Call reports 2019
WESTBURY BANK — 2019
What WESTBURY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 823,841,000 | 846,609,000 | 853,698,000 | 831,386,000 |
| Total loans | 674,919,000 | 665,637,000 | 657,250,000 | 671,631,000 |
| Allowance for loan losses | 6,784,000 | 6,787,000 | 6,890,000 | 6,986,000 |
| Securities available for sale | 99,939,000 | 97,597,000 | 102,453,000 | 100,296,000 |
| Securities held to maturity | 1,954,000 | 1,780,000 | 1,780,000 | 1,780,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 704,045,000 | 725,430,000 | 732,819,000 | 720,403,000 |
| Interest-bearing deposits | 571,729,000 | 593,175,000 | 589,259,000 | 577,902,000 |
| Noninterest-bearing deposits | 132,316,000 | 132,255,000 | 143,560,000 | 142,501,000 |
| Equity capital | 79,512,000 | 80,891,000 | 81,688,000 | 82,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 8,135,000 | 16,523,000 | 24,679,000 | 32,551,000 |
| Interest expense | 1,639,000 | 3,297,000 | 4,983,000 | 6,498,000 |
| Net interest income | 6,496,000 | 13,226,000 | 19,696,000 | 26,053,000 |
| Noninterest income | 1,254,000 | 2,642,000 | 4,267,000 | 5,828,000 |
| Noninterest expense | 5,200,000 | 10,638,000 | 15,934,000 | 21,166,000 |
| Provision for loan losses | 300,000 | 300,000 | 400,000 | 460,000 |
| Pretax income | 2,179,000 | 4,843,000 | 7,576,000 | 10,206,000 |
| Income tax | 574,000 | 1,298,000 | 2,058,000 | 2,803,000 |
| Net income | 1,605,000 | 3,545,000 | 5,518,000 | 7,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,232,000 | 80,704,000 | 81,065,000 | 81,705,000 |
| Total capital | 87,016,000 | 87,491,000 | 87,955,000 | 88,691,000 |
| Risk-weighted assets | 678,980,000 | 692,264,000 | 687,178,000 | 704,155,000 |