Call reports 2011
FIRST WESTROADS BANK, INC. — 2011
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 191,556,000 | 197,114,000 | 199,253,000 | 204,557,000 |
| Total loans | 148,792,000 | 157,141,000 | 157,388,000 | 161,498,000 |
| Allowance for loan losses | 2,708,000 | 2,904,000 | 2,670,000 | 2,744,000 |
| Securities available for sale | 29,092,000 | 31,499,000 | 34,610,000 | 35,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,665,000 | 159,628,000 | 159,763,000 | 164,341,000 |
| Interest-bearing deposits | 120,422,000 | 116,034,000 | 118,334,000 | 118,009,000 |
| Noninterest-bearing deposits | 42,243,000 | 43,594,000 | 41,429,000 | 46,332,000 |
| Equity capital | 21,880,000 | 22,554,000 | 23,245,000 | 22,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,443,000 | 4,985,000 | 7,637,000 | 10,126,000 |
| Interest expense | 314,000 | 627,000 | 927,000 | 1,214,000 |
| Net interest income | 2,129,000 | 4,358,000 | 6,710,000 | 8,912,000 |
| Noninterest income | 244,000 | 506,000 | 784,000 | 685,000 |
| Noninterest expense | 1,493,000 | 2,920,000 | 4,339,000 | 5,889,000 |
| Provision for loan losses | 180,000 | 360,000 | 585,000 | 810,000 |
| Pretax income | 700,000 | 1,689,000 | 2,675,000 | 3,003,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 700,000 | 1,689,000 | 2,675,000 | 3,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,553,000 | 21,995,000 | 22,533,000 | 22,302,000 |
| Total capital | 23,415,000 | 23,955,000 | 24,506,000 | 24,340,000 |
| Risk-weighted assets | 149,733,000 | 155,746,000 | 157,908,000 | 162,310,000 |