Call reports 2004
FIRST WESTROADS BANK, INC. — 2004
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 197,577,000 | 186,883,000 | 173,469,000 | 176,086,000 |
| Total loans | 130,042,000 | 133,086,000 | 124,839,000 | 126,096,000 |
| Allowance for loan losses | 2,229,000 | 2,308,000 | 2,376,000 | 2,301,000 |
| Securities available for sale | 43,568,000 | 38,942,000 | 36,944,000 | 38,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,132,000 | 158,483,000 | 138,163,000 | 142,241,000 |
| Interest-bearing deposits | 125,643,000 | 119,541,000 | 101,970,000 | 101,732,000 |
| Noninterest-bearing deposits | 42,489,000 | 38,942,000 | 36,193,000 | 40,509,000 |
| Equity capital | 15,285,000 | 15,065,000 | 15,772,000 | 14,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,547,000 | 4,981,000 | 7,390,000 | 9,813,000 |
| Interest expense | 512,000 | 1,015,000 | 1,520,000 | 2,053,000 |
| Net interest income | 2,035,000 | 3,966,000 | 5,870,000 | 7,760,000 |
| Noninterest income | 285,000 | 575,000 | 842,000 | 1,152,000 |
| Noninterest expense | 957,000 | 1,886,000 | 2,849,000 | 3,809,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,303,000 | 2,535,000 | 3,683,000 | 4,863,000 |
| Income tax | 417,000 | 811,000 | 1,174,000 | 1,547,000 |
| Net income | 886,000 | 1,724,000 | 2,509,000 | 3,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,826,000 | 15,264,000 | 15,649,000 | 14,657,000 |
| Total capital | 16,634,000 | 17,066,000 | 17,316,000 | 16,304,000 |
| Risk-weighted assets | 144,220,000 | 143,693,000 | 132,649,000 | 131,067,000 |