Call reports 2006
FIRST WESTROADS BANK, INC. — 2006
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 187,515,000 | 185,562,000 | 190,109,000 | 196,304,000 |
| Total loans | 139,416,000 | 139,849,000 | 141,800,000 | 145,058,000 |
| Allowance for loan losses | 2,659,000 | 2,701,000 | 2,779,000 | 2,845,000 |
| Securities available for sale | 38,489,000 | 37,782,000 | 37,463,000 | 35,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,740,000 | 143,337,000 | 157,496,000 | 164,128,000 |
| Interest-bearing deposits | 105,800,000 | 106,869,000 | 114,872,000 | 117,098,000 |
| Noninterest-bearing deposits | 36,940,000 | 36,468,000 | 42,624,000 | 47,030,000 |
| Equity capital | 15,413,000 | 15,432,000 | 15,980,000 | 16,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,872,000 | 5,901,000 | 8,770,000 | 11,954,000 |
| Interest expense | 950,000 | 2,074,000 | 3,275,000 | 4,526,000 |
| Net interest income | 1,922,000 | 3,827,000 | 5,495,000 | 7,428,000 |
| Noninterest income | 388,000 | 759,000 | 1,322,000 | 1,829,000 |
| Noninterest expense | 1,187,000 | 2,425,000 | 3,604,000 | 4,752,000 |
| Provision for loan losses | 66,000 | 132,000 | 198,000 | 264,000 |
| Pretax income | 1,057,000 | 2,029,000 | 3,015,000 | 4,241,000 |
| Income tax | 330,000 | 635,000 | 950,000 | 1,355,000 |
| Net income | 727,000 | 1,394,000 | 2,065,000 | 2,886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,864,000 | 16,131,000 | 16,302,000 | 16,523,000 |
| Total capital | 17,711,000 | 17,993,000 | 18,166,000 | 18,403,000 |
| Risk-weighted assets | 146,975,000 | 148,133,000 | 153,412,000 | 149,406,000 |