Westbury Bancorp, Inc. (WBBW)

Westbury Bancorp Income Statement

Financials in millions USD. Fiscal year is October - September.

Fiscal Year	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Period Ending	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020	Sep 30, 2019	Sep 30, 2018
Interest Income on Loans	28.03	28.8	30.1	32.38	29.04
Total Interest Income	28.03	28.8	30.1	32.38	29.04
Interest Paid on Deposits	1.03	1.56	4.55	6.69	4.89
Total Interest Expense	1.03	1.56	4.55	6.69	4.89
Net Interest Income	27.01	27.24	25.55	25.68	24.15
Net Interest Income Growth (YoY)	-0.86%	6.61%	-0.52%	6.35%	10.59%
Other Non-Interest Income	1.6	2.59	4.48	2.25	1.81
Total Non-Interest Income	6.37	9.98	7.95	6.27	5.67
Non-Interest Income Growth (YoY)	-36.14%	25.56%	26.88%	10.55%	5.88%
Revenues Before Loan Losses	33.38	37.22	33.5	31.95	29.82
Provision for Loan Losses	0.38	1.05	1.28	0.85	0.4
Revenue	33	36.17	32.23	31.1	29.42
Revenue Growth (YoY)	-8.76%	12.25%	3.62%	5.72%	10.01%
Salaries and Employee Benefits	12.5	12.31	12.56	12.49	12.07
Occupancy Expenses	2.37	2.59	2.41	2.19	2.31
Selling, General & Administrative	3.17	3.18	3.13	3.09	3.45
Other Non-Interest Expense	3.86	4.8	4.1	3.82	4.26
Total Non-Interest Expense	21.9	22.89	22.2	21.59	22.1
EBT Excluding Unusual Items	11.1	13.29	10.03	9.51	7.32
Pretax Income	11.1	13.29	10.03	9.51	7.32
Income Tax Expense	3.11	3.76	2.81	2.63	3.12
Net Income	7.99	9.53	7.22	6.89	4.21
Net Income to Common	7.99	9.53	7.22	6.89	4.21
Net Income Growth	-16.13%	32.05%	4.81%	63.73%	47.70%
Basic Shares Outstanding	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	4
Shares Change (YoY)	-0.93%	-5.84%	-12.73%	-7.56%	-4.54%
EPS (Basic)	3.19	3.70	2.59	2.15	1.21
EPS (Diluted)	2.98	3.52	2.51	2.09	1.18
EPS Growth	-15.34%	40.24%	20.10%	77.12%	55.26%
Effective Tax Rate	28.03%	28.27%	28.04%	27.63%	42.56%

Updated Oct 20, 2022. Source: S&P Global Market Intelligence. Banks template. Financial Sources.