Call reports 2022
WESTBURY BANK — 2022
What WESTBURY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 908,225,000 | 954,079,000 | 958,117,000 | 939,278,000 |
| Total loans | 659,047,000 | 705,463,000 | 722,993,000 | 721,492,000 |
| Allowance for loan losses | 9,019,000 | 9,020,000 | 9,270,000 | 9,170,000 |
| Securities available for sale | 178,662,000 | 165,896,000 | 153,768,000 | 151,164,000 |
| Securities held to maturity | 1,950,000 | 1,763,000 | 1,763,000 | 1,762,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 819,059,000 | 866,739,000 | 876,431,000 | 847,808,000 |
| Interest-bearing deposits | 572,516,000 | 610,086,000 | 601,640,000 | 585,271,000 |
| Noninterest-bearing deposits | 246,543,000 | 256,653,000 | 274,791,000 | 262,537,000 |
| Equity capital | 79,660,000 | 77,188,000 | 71,190,000 | 71,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,712,000 | 13,593,000 | 21,528,000 | 30,082,000 |
| Interest expense | 208,000 | 400,000 | 600,000 | 910,000 |
| Net interest income | 6,504,000 | 13,193,000 | 20,928,000 | 29,172,000 |
| Noninterest income | 1,327,000 | 2,606,000 | 3,951,000 | 5,156,000 |
| Noninterest expense | 5,482,000 | 10,891,000 | 16,043,000 | 21,280,000 |
| Provision for loan losses | 0 | 0 | 375,000 | 375,000 |
| Pretax income | 2,349,000 | 4,855,000 | 8,408,000 | 12,620,000 |
| Income tax | 686,000 | 1,405,000 | 2,393,000 | 3,497,000 |
| Net income | 1,663,000 | 3,450,000 | 6,015,000 | 9,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,139,000 | 88,739,000 | 87,431,000 | 86,627,000 |
| Total capital | 95,821,000 | 97,754,000 | 96,701,000 | 95,797,000 |
| Risk-weighted assets | 694,200,000 | 721,209,000 | 745,771,000 | 746,014,000 |