Call reports 2021
WESTBURY BANK — 2021
What WESTBURY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 893,833,000 | 905,596,000 | 921,588,000 | 915,250,000 |
| Total loans | 653,547,000 | 655,895,000 | 676,646,000 | 673,774,000 |
| Allowance for loan losses | 8,488,000 | 8,992,000 | 8,995,000 | 8,997,000 |
| Securities available for sale | 134,552,000 | 161,845,000 | 179,548,000 | 165,917,000 |
| Securities held to maturity | 1,603,000 | 1,422,000 | 1,950,000 | 1,950,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 796,841,000 | 811,116,000 | 817,012,000 | 820,588,000 |
| Interest-bearing deposits | 565,957,000 | 573,013,000 | 574,120,000 | 568,699,000 |
| Noninterest-bearing deposits | 230,884,000 | 238,103,000 | 242,892,000 | 251,889,000 |
| Equity capital | 81,300,000 | 83,603,000 | 84,246,000 | 84,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,956,000 | 13,952,000 | 21,291,000 | 28,164,000 |
| Interest expense | 345,000 | 653,000 | 954,000 | 1,223,000 |
| Net interest income | 6,611,000 | 13,299,000 | 20,337,000 | 26,941,000 |
| Noninterest income | 2,235,000 | 4,489,000 | 6,442,000 | 7,953,000 |
| Noninterest expense | 5,371,000 | 10,753,000 | 16,470,000 | 21,614,000 |
| Provision for loan losses | 0 | 500,000 | 500,000 | 500,000 |
| Pretax income | 3,474,000 | 6,534,000 | 9,808,000 | 12,933,000 |
| Income tax | 980,000 | 1,856,000 | 2,798,000 | 3,625,000 |
| Net income | 2,494,000 | 4,678,000 | 7,010,000 | 9,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,205,000 | 82,725,000 | 84,073,000 | 84,991,000 |
| Total capital | 89,602,000 | 91,230,000 | 92,724,000 | 93,704,000 |
| Risk-weighted assets | 671,643,000 | 679,925,000 | 691,744,000 | 696,781,000 |