Call reports 2010
FIRST WESTROADS BANK, INC. — 2010
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 191,669,000 | 191,751,000 | 185,990,000 | 188,148,000 |
| Total loans | 161,866,000 | 158,022,000 | 150,459,000 | 147,254,000 |
| Allowance for loan losses | 2,050,000 | 2,212,000 | 2,390,000 | 2,396,000 |
| Securities available for sale | 19,206,000 | 18,884,000 | 18,249,000 | 20,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,359,000 | 161,098,000 | 158,298,000 | 159,189,000 |
| Interest-bearing deposits | 120,318,000 | 121,629,000 | 118,322,000 | 114,197,000 |
| Noninterest-bearing deposits | 42,041,000 | 39,469,000 | 39,976,000 | 44,992,000 |
| Equity capital | 20,736,000 | 20,792,000 | 20,891,000 | 21,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,704,000 | 5,347,000 | 7,878,000 | 10,380,000 |
| Interest expense | 532,000 | 986,000 | 1,393,000 | 1,741,000 |
| Net interest income | 2,172,000 | 4,361,000 | 6,485,000 | 8,639,000 |
| Noninterest income | 170,000 | 350,000 | 673,000 | 924,000 |
| Noninterest expense | 1,325,000 | 2,677,000 | 4,018,000 | 5,436,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 720,000 |
| Pretax income | 799,000 | 1,636,000 | 2,447,000 | 3,254,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 799,000 | 1,636,000 | 2,447,000 | 3,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,727,000 | 20,233,000 | 20,265,000 | 20,840,000 |
| Total capital | 22,773,000 | 22,230,000 | 22,161,000 | 22,711,000 |
| Risk-weighted assets | 164,692,000 | 158,824,000 | 151,419,000 | 149,120,000 |