Call reports 2001
FIRST WESTROADS BANK, INC. — 2001
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 143,450,000 | 147,207,000 | 141,389,000 | 141,126,000 |
| Total loans | 108,443,000 | 109,959,000 | 109,535,000 | 107,262,000 |
| Allowance for loan losses | 1,800,000 | 2,225,000 | 2,295,000 | 2,373,000 |
| Securities available for sale | 25,140,000 | 16,740,000 | 15,771,000 | 19,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,318,000 | 130,692,000 | 118,436,000 | 114,510,000 |
| Interest-bearing deposits | 100,719,000 | 102,977,000 | 84,337,000 | 84,483,000 |
| Noninterest-bearing deposits | 24,599,000 | 27,715,000 | 34,099,000 | 30,027,000 |
| Equity capital | 11,557,000 | 11,988,000 | 12,462,000 | 12,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,904,000 | 5,797,000 | 8,473,000 | 10,973,000 |
| Interest expense | 1,311,000 | 2,457,000 | 3,505,000 | 4,303,000 |
| Net interest income | 1,593,000 | 3,340,000 | 4,968,000 | 6,670,000 |
| Noninterest income | 241,000 | 487,000 | 777,000 | 1,060,000 |
| Noninterest expense | 865,000 | 1,761,000 | 2,619,000 | 3,549,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 894,000 | 1,916,000 | 2,901,000 | 3,881,000 |
| Income tax | 277,000 | 597,000 | 908,000 | 1,221,000 |
| Net income | 617,000 | 1,319,000 | 1,993,000 | 2,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,455,000 | 11,858,000 | 12,231,000 | 12,379,000 |
| Total capital | 12,860,000 | 13,283,000 | 13,638,000 | 13,771,000 |
| Risk-weighted assets | 111,978,000 | 113,192,000 | 111,645,000 | 110,365,000 |