Call reports 2020
WESTBURY BANK — 2020
What WESTBURY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 818,550,000 | 906,381,000 | 887,607,000 | 907,544,000 |
| Total loans | 654,143,000 | 689,096,000 | 704,585,000 | 664,495,000 |
| Allowance for loan losses | 7,078,000 | 7,632,000 | 7,908,000 | 8,485,000 |
| Securities available for sale | 87,087,000 | 91,598,000 | 94,874,000 | 106,201,000 |
| Securities held to maturity | 1,780,000 | 1,603,000 | 1,603,000 | 1,603,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 708,279,000 | 790,236,000 | 779,945,000 | 805,308,000 |
| Interest-bearing deposits | 568,395,000 | 592,644,000 | 575,481,000 | 570,939,000 |
| Noninterest-bearing deposits | 139,884,000 | 197,592,000 | 204,464,000 | 234,369,000 |
| Equity capital | 81,351,000 | 81,709,000 | 82,841,000 | 84,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,744,000 | 15,092,000 | 22,351,000 | 30,232,000 |
| Interest expense | 1,284,000 | 2,180,000 | 2,888,000 | 3,349,000 |
| Net interest income | 6,460,000 | 12,912,000 | 19,463,000 | 26,883,000 |
| Noninterest income | 1,440,000 | 3,194,000 | 5,448,000 | 7,856,000 |
| Noninterest expense | 5,340,000 | 10,650,000 | 16,278,000 | 22,013,000 |
| Provision for loan losses | 90,000 | 641,000 | 1,215,000 | 1,765,000 |
| Pretax income | 2,598,000 | 4,988,000 | 7,785,000 | 11,628,000 |
| Income tax | 731,000 | 1,391,000 | 2,162,000 | 3,208,000 |
| Net income | 1,867,000 | 3,597,000 | 5,623,000 | 8,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,653,000 | 79,909,000 | 81,084,000 | 83,308,000 |
| Total capital | 86,732,000 | 87,541,000 | 88,992,000 | 91,793,000 |
| Risk-weighted assets | 682,575,000 | 654,471,000 | 671,660,000 | 678,676,000 |