Call reports 2005
FIRST WESTROADS BANK, INC. — 2005
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 177,521,000 | 174,597,000 | 183,019,000 | 185,032,000 |
| Total loans | 127,804,000 | 127,452,000 | 132,245,000 | 136,110,000 |
| Allowance for loan losses | 2,365,000 | 2,428,000 | 2,492,000 | 2,588,000 |
| Securities available for sale | 37,909,000 | 36,726,000 | 40,775,000 | 38,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,430,000 | 145,537,000 | 145,172,000 | 146,143,000 |
| Interest-bearing deposits | 97,174,000 | 109,098,000 | 107,334,000 | 103,759,000 |
| Noninterest-bearing deposits | 42,256,000 | 36,439,000 | 37,838,000 | 42,384,000 |
| Equity capital | 14,616,000 | 15,015,000 | 15,196,000 | 15,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,449,000 | 4,998,000 | 7,743,000 | 10,282,000 |
| Interest expense | 570,000 | 1,259,000 | 2,023,000 | 2,846,000 |
| Net interest income | 1,879,000 | 3,739,000 | 5,720,000 | 7,436,000 |
| Noninterest income | 281,000 | 550,000 | 869,000 | 1,517,000 |
| Noninterest expense | 1,023,000 | 2,113,000 | 3,189,000 | 4,373,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,077,000 | 2,056,000 | 3,220,000 | 4,340,000 |
| Income tax | 337,000 | 640,000 | 1,007,000 | 1,360,000 |
| Net income | 740,000 | 1,416,000 | 2,213,000 | 2,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,897,000 | 15,073,000 | 15,370,000 | 15,637,000 |
| Total capital | 16,603,000 | 16,754,000 | 17,152,000 | 17,462,000 |
| Risk-weighted assets | 135,859,000 | 133,772,000 | 141,816,000 | 147,272,000 |