Westbury Bancorp, Inc. Income Statement

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated Statement of Operations

In millions of USD, except per-share amounts

	FY2017 12 months to Sep 30, 2017	FY2016 12 months to Sep 30, 2016	FY2015 12 months to Sep 30, 2015	FY2014 12 months to Sep 30, 2014	FY2013 12 months to Sep 30, 2013
Interest and dividend income:
Loans
Investments - nontaxable
Investments - taxable
Interest bearing deposits
Total interest and dividend income
Interest expense:
Deposits
Short-term advances from the Federal Home Loan Bank
Long-term advances from the Federal Home Loan Bank
Notes payable
Line of credit
Total interest expense
Net interest income before provision for loan losses
Provision for loan losses
Net interest income after provision for loan losses
Non-interest income:
Service fees on deposit accounts
Gain on sales of loans, net
Servicing fee income, net of amortization and impairment
Insurance and securities sales commissions
Gain on sales of securities
Gain on sales of branches and other assets
Increase in cash surrender value of life insurance
Rental income from real estate operations
Other income
Total non-interest income
Non-interest expense:
Salaries and employee benefits
Commissions
Occupancy
Furniture and equipment
Data processing
Advertising
Real estate held for investment
Net loss from operations and sale of foreclosed real estate
Professional Fees
FDIC insurance premiums
Valuation loss on real estate held for sale
Gain (Loss) on Sale of Properties
Branch realignment
Buyout of service contract
Other expenses
Total non-interest expense
Income before income tax expense (benefit)
Income tax expense (benefit)
Net income
Earnings per share:
Basic (in dollars per share)
Diluted (in dollars per share)

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