Call reports 2007
FIRST WESTROADS BANK, INC. — 2007
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 190,107,000 | 199,755,000 | 205,579,000 | 192,285,000 |
| Total loans | 149,339,000 | 151,948,000 | 159,345,000 | 153,857,000 |
| Allowance for loan losses | 2,852,000 | 2,828,000 | 2,859,000 | 2,710,000 |
| Securities available for sale | 33,718,000 | 31,650,000 | 32,278,000 | 26,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,628,000 | 165,332,000 | 169,599,000 | 154,662,000 |
| Interest-bearing deposits | 119,197,000 | 122,898,000 | 133,205,000 | 111,724,000 |
| Noninterest-bearing deposits | 37,431,000 | 42,434,000 | 36,394,000 | 42,938,000 |
| Equity capital | 16,510,000 | 16,972,000 | 17,429,000 | 18,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,189,000 | 6,456,000 | 9,939,000 | 13,306,000 |
| Interest expense | 1,233,000 | 2,539,000 | 3,973,000 | 5,294,000 |
| Net interest income | 1,956,000 | 3,917,000 | 5,966,000 | 8,012,000 |
| Noninterest income | 389,000 | 681,000 | 955,000 | 1,241,000 |
| Noninterest expense | 1,254,000 | 2,545,000 | 3,807,000 | 5,042,000 |
| Provision for loan losses | 43,000 | 73,000 | 103,000 | 133,000 |
| Pretax income | 1,048,000 | 1,980,000 | 3,011,000 | 4,078,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,048,000 | 1,980,000 | 3,011,000 | 4,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,809,000 | 17,451,000 | 17,525,000 | 18,263,000 |
| Total capital | 18,691,000 | 19,353,000 | 19,542,000 | 20,234,000 |
| Risk-weighted assets | 149,565,000 | 151,351,000 | 160,496,000 | 156,978,000 |