Call reports 2025
WESTBURY BANK — 2025
What WESTBURY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 823,735,000 | 806,117,000 | 805,607,000 | 791,728,000 |
| Total loans | 602,282,000 | 581,339,000 | 553,299,000 | 549,781,000 |
| Allowance for loan losses | 6,094,000 | 5,995,000 | 6,010,000 | 6,017,000 |
| Securities available for sale | 97,491,000 | 96,472,000 | 95,762,000 | 96,873,000 |
| Securities held to maturity | 1,370,000 | 1,167,000 | 1,149,000 | 649,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 735,871,000 | 724,943,000 | 725,423,000 | 717,040,000 |
| Interest-bearing deposits | 490,788,000 | 484,520,000 | 491,098,000 | 463,946,000 |
| Noninterest-bearing deposits | 245,083,000 | 240,423,000 | 234,325,000 | 253,094,000 |
| Equity capital | 78,571,000 | 71,195,000 | 70,299,000 | 63,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,834,000 | 17,660,000 | 26,447,000 | 35,425,000 |
| Interest expense | 1,536,000 | 2,985,000 | 4,421,000 | 5,632,000 |
| Net interest income | 7,298,000 | 14,675,000 | 22,026,000 | 29,793,000 |
| Noninterest income | 1,026,000 | 2,132,000 | 3,295,000 | 4,518,000 |
| Noninterest expense | 5,867,000 | 11,708,000 | 17,851,000 | 24,968,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,457,000 | 5,099,000 | 7,470,000 | 9,343,000 |
| Income tax | 454,000 | 949,000 | 1,383,000 | 1,715,000 |
| Net income | 2,003,000 | 4,150,000 | 6,087,000 | 7,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,192,000 | 80,190,000 | 78,126,000 | 71,170,000 |
| Total capital | 94,643,000 | 86,542,000 | 84,492,000 | 77,544,000 |
| Risk-weighted assets | 613,919,000 | 640,597,000 | 613,298,000 | 612,931,000 |