Call reports 2014
FIRST WESTROADS BANK, INC. — 2014
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 245,736,000 | 244,817,000 | 245,347,000 | 248,807,000 |
| Total loans | 184,675,000 | 180,469,000 | 185,730,000 | 184,403,000 |
| Allowance for loan losses | 3,605,000 | 3,670,000 | 3,884,000 | 3,854,000 |
| Securities available for sale | 42,800,000 | 41,684,000 | 40,910,000 | 41,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,136,000 | 207,774,000 | 210,902,000 | 211,924,000 |
| Interest-bearing deposits | 143,018,000 | 133,974,000 | 144,262,000 | 141,260,000 |
| Noninterest-bearing deposits | 66,118,000 | 73,800,000 | 66,640,000 | 70,664,000 |
| Equity capital | 25,781,000 | 26,053,000 | 26,345,000 | 26,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,592,000 | 5,089,000 | 7,677,000 | 10,136,000 |
| Interest expense | 149,000 | 293,000 | 454,000 | 618,000 |
| Net interest income | 2,443,000 | 4,796,000 | 7,223,000 | 9,518,000 |
| Noninterest income | 315,000 | 658,000 | 1,052,000 | 1,445,000 |
| Noninterest expense | 1,719,000 | 3,390,000 | 5,093,000 | 6,797,000 |
| Provision for loan losses | 28,000 | 91,000 | 133,000 | 133,000 |
| Pretax income | 1,011,000 | 2,020,000 | 3,096,000 | 4,080,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,011,000 | 2,020,000 | 3,096,000 | 4,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,476,000 | 25,364,000 | 25,772,000 | 26,281,000 |
| Total capital | 27,837,000 | 27,668,000 | 28,131,000 | 28,648,000 |
| Risk-weighted assets | 187,644,000 | 182,991,000 | 187,192,000 | 187,839,000 |