Call reports 2012
FIRST WESTROADS BANK, INC. — 2012
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 209,862,000 | 209,570,000 | 209,767,000 | 216,215,000 |
| Total loans | 158,978,000 | 159,586,000 | 162,220,000 | 162,947,000 |
| Allowance for loan losses | 2,973,000 | 3,201,000 | 3,252,000 | 3,324,000 |
| Securities available for sale | 35,895,000 | 41,055,000 | 41,008,000 | 43,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,256,000 | 179,988,000 | 181,588,000 | 187,794,000 |
| Interest-bearing deposits | 128,338,000 | 129,304,000 | 128,736,000 | 125,644,000 |
| Noninterest-bearing deposits | 51,918,000 | 50,684,000 | 52,852,000 | 62,150,000 |
| Equity capital | 23,676,000 | 23,555,000 | 23,963,000 | 24,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,490,000 | 4,952,000 | 7,354,000 | 9,701,000 |
| Interest expense | 253,000 | 493,000 | 707,000 | 890,000 |
| Net interest income | 2,237,000 | 4,459,000 | 6,647,000 | 8,811,000 |
| Noninterest income | 329,000 | 673,000 | 1,033,000 | 1,495,000 |
| Noninterest expense | 1,477,000 | 2,926,000 | 4,488,000 | 6,044,000 |
| Provision for loan losses | 225,000 | 450,000 | 600,000 | 675,000 |
| Pretax income | 864,000 | 1,756,000 | 2,592,000 | 3,587,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 864,000 | 1,756,000 | 2,592,000 | 3,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,993,000 | 22,689,000 | 22,976,000 | 23,493,000 |
| Total capital | 24,971,000 | 24,728,000 | 25,078,000 | 25,619,000 |
| Risk-weighted assets | 157,307,000 | 163,859,000 | 167,025,000 | 168,898,000 |