Call reports 2024
WESTBURY BANK — 2024
What WESTBURY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 846,370,000 | 817,436,000 | 823,858,000 | 816,722,000 |
| Total loans | 688,577,000 | 641,616,000 | 628,731,000 | 615,586,000 |
| Allowance for loan losses | 6,220,000 | 6,181,000 | 6,190,000 | 6,093,000 |
| Securities available for sale | 104,468,000 | 102,326,000 | 102,949,000 | 97,840,000 |
| Securities held to maturity | 1,569,000 | 1,372,000 | 1,371,000 | 1,371,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 727,300,000 | 733,416,000 | 736,982,000 | 730,952,000 |
| Interest-bearing deposits | 490,345,000 | 491,733,000 | 491,267,000 | 487,826,000 |
| Noninterest-bearing deposits | 236,955,000 | 241,683,000 | 245,715,000 | 243,126,000 |
| Equity capital | 73,760,000 | 74,079,000 | 78,590,000 | 76,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 8,773,000 | 17,569,000 | 26,352,000 | 35,555,000 |
| Interest expense | 1,952,000 | 3,823,000 | 5,646,000 | 7,385,000 |
| Net interest income | 6,821,000 | 13,746,000 | 20,706,000 | 28,170,000 |
| Noninterest income | 1,081,000 | 2,244,000 | 3,372,000 | 4,648,000 |
| Noninterest expense | 5,357,000 | 10,872,000 | 16,289,000 | 22,055,000 |
| Provision for loan losses | -250,000 | -250,000 | -250,000 | -70,000 |
| Pretax income | 2,183,000 | 4,710,000 | 7,277,000 | 10,071,000 |
| Income tax | 337,000 | 770,000 | 1,224,000 | 1,814,000 |
| Net income | 1,846,000 | 3,940,000 | 6,053,000 | 8,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,754,000 | 85,550,000 | 87,161,000 | 87,466,000 |
| Total capital | 92,331,000 | 92,087,000 | 93,707,000 | 93,917,000 |
| Risk-weighted assets | 692,644,000 | 651,844,000 | 640,637,000 | 626,857,000 |