Call reports 2023
WESTBURY BANK — 2023
What WESTBURY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 909,997,000 | 900,171,000 | 864,162,000 | 853,396,000 |
| Total loans | 701,211,000 | 688,913,000 | 682,427,000 | 682,758,000 |
| Allowance for loan losses | 9,170,000 | 6,576,000 | 6,578,000 | 6,470,000 |
| Securities available for sale | 139,911,000 | 131,941,000 | 119,983,000 | 114,938,000 |
| Securities held to maturity | 1,762,000 | 1,571,000 | 1,570,000 | 1,569,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 807,769,000 | 760,510,000 | 732,485,000 | 724,465,000 |
| Interest-bearing deposits | 550,161,000 | 515,312,000 | 488,931,000 | 477,539,000 |
| Noninterest-bearing deposits | 257,608,000 | 245,198,000 | 243,554,000 | 246,926,000 |
| Equity capital | 73,011,000 | 73,163,000 | 71,325,000 | 75,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 8,664,000 | 17,418,000 | 26,115,000 | 34,838,000 |
| Interest expense | 589,000 | 1,812,000 | 3,451,000 | 5,385,000 |
| Net interest income | 8,075,000 | 15,606,000 | 22,664,000 | 29,453,000 |
| Noninterest income | 1,563,000 | 2,635,000 | 3,915,000 | 5,037,000 |
| Noninterest expense | 5,298,000 | 10,664,000 | 15,926,000 | 21,312,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,812,000 | 6,967,000 | 9,761,000 | 11,844,000 |
| Income tax | 975,000 | 1,769,000 | 4,142,000 | 4,441,000 |
| Net income | 2,837,000 | 5,198,000 | 5,619,000 | 7,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,766,000 | 87,225,000 | 86,445,000 | 87,029,000 |
| Total capital | 94,936,000 | 93,801,000 | 93,022,000 | 93,606,000 |
| Risk-weighted assets | 736,131,000 | 695,712,000 | 695,613,000 | 692,248,000 |