Call reports 2009
FIRST WESTROADS BANK, INC. — 2009
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 203,753,000 | 192,651,000 | 190,917,000 | 204,634,000 |
| Total loans | 166,110,000 | 166,127,000 | 164,990,000 | 163,969,000 |
| Allowance for loan losses | 2,261,000 | 2,389,000 | 2,264,000 | 2,301,000 |
| Securities available for sale | 20,094,000 | 18,012,000 | 16,644,000 | 17,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,292,000 | 158,693,000 | 158,828,000 | 173,588,000 |
| Interest-bearing deposits | 125,874,000 | 119,960,000 | 117,783,000 | 128,011,000 |
| Noninterest-bearing deposits | 39,418,000 | 38,733,000 | 41,045,000 | 45,577,000 |
| Equity capital | 18,716,000 | 18,979,000 | 19,685,000 | 20,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,734,000 | 5,442,000 | 8,280,000 | 11,020,000 |
| Interest expense | 768,000 | 1,487,000 | 2,105,000 | 2,701,000 |
| Net interest income | 1,966,000 | 3,955,000 | 6,175,000 | 8,319,000 |
| Noninterest income | 196,000 | 395,000 | 593,000 | 798,000 |
| Noninterest expense | 1,396,000 | 2,782,000 | 4,177,000 | 5,569,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 616,000 | 1,268,000 | 2,141,000 | 2,948,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 616,000 | 1,268,000 | 2,141,000 | 2,948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,836,000 | 19,156,000 | 19,701,000 | 20,382,000 |
| Total capital | 20,946,000 | 21,225,000 | 21,767,000 | 22,447,000 |
| Risk-weighted assets | 168,718,000 | 165,567,000 | 164,943,000 | 165,535,000 |