Call reports 2013
FIRST WESTROADS BANK, INC. — 2013
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 225,426,000 | 230,176,000 | 238,459,000 | 235,842,000 |
| Total loans | 175,911,000 | 177,467,000 | 188,168,000 | 187,445,000 |
| Allowance for loan losses | 3,408,000 | 3,491,000 | 3,459,000 | 3,720,000 |
| Securities available for sale | 42,876,000 | 40,812,000 | 43,357,000 | 42,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,943,000 | 197,318,000 | 200,268,000 | 199,659,000 |
| Interest-bearing deposits | 133,520,000 | 136,180,000 | 136,829,000 | 132,125,000 |
| Noninterest-bearing deposits | 61,423,000 | 61,138,000 | 63,439,000 | 67,534,000 |
| Equity capital | 24,975,000 | 24,118,000 | 24,778,000 | 25,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,405,000 | 4,857,000 | 7,381,000 | 9,942,000 |
| Interest expense | 163,000 | 315,000 | 471,000 | 624,000 |
| Net interest income | 2,242,000 | 4,542,000 | 6,910,000 | 9,318,000 |
| Noninterest income | 350,000 | 739,000 | 1,116,000 | 1,706,000 |
| Noninterest expense | 1,468,000 | 3,029,000 | 4,643,000 | 6,353,000 |
| Provision for loan losses | 84,000 | 168,000 | 300,000 | 614,000 |
| Pretax income | 1,040,000 | 2,084,000 | 3,083,000 | 4,057,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,040,000 | 2,084,000 | 3,083,000 | 4,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,195,000 | 24,004,000 | 24,361,000 | 24,799,000 |
| Total capital | 26,444,000 | 26,247,000 | 26,739,000 | 27,173,000 |
| Risk-weighted assets | 178,739,000 | 178,226,000 | 189,172,000 | 188,686,000 |