Call reports 2003
FIRST WESTROADS BANK, INC. — 2003
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 184,841,000 | 182,652,000 | 172,568,000 | 173,915,000 |
| Total loans | 117,407,000 | 114,582,000 | 120,166,000 | 119,333,000 |
| Allowance for loan losses | 2,315,000 | 2,179,000 | 2,230,000 | 2,291,000 |
| Securities available for sale | 45,014,000 | 41,466,000 | 38,491,000 | 38,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,245,000 | 154,568,000 | 134,481,000 | 132,280,000 |
| Interest-bearing deposits | 114,175,000 | 106,729,000 | 94,108,000 | 94,771,000 |
| Noninterest-bearing deposits | 42,070,000 | 47,839,000 | 40,373,000 | 37,509,000 |
| Equity capital | 14,575,000 | 15,126,000 | 15,142,000 | 14,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,445,000 | 4,831,000 | 7,193,000 | 9,511,000 |
| Interest expense | 613,000 | 1,211,000 | 1,737,000 | 2,232,000 |
| Net interest income | 1,832,000 | 3,620,000 | 5,456,000 | 7,279,000 |
| Noninterest income | 304,000 | 611,000 | 925,000 | 1,203,000 |
| Noninterest expense | 951,000 | 1,883,000 | 2,839,000 | 3,692,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,125,000 | 2,226,000 | 3,360,000 | 4,554,000 |
| Income tax | 357,000 | 709,000 | 1,069,000 | 1,448,000 |
| Net income | 768,000 | 1,517,000 | 2,291,000 | 3,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,128,000 | 14,460,000 | 14,901,000 | 14,340,000 |
| Total capital | 15,740,000 | 16,037,000 | 16,482,000 | 15,934,000 |
| Risk-weighted assets | 128,243,000 | 125,579,000 | 125,991,000 | 126,832,000 |