Call reports 2015
FIRST WESTROADS BANK, INC. — 2015
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 260,118,000 | 261,853,000 | 267,233,000 | 277,283,000 |
| Total loans | 187,964,000 | 185,137,000 | 195,707,000 | 194,229,000 |
| Allowance for loan losses | 3,898,000 | 3,925,000 | 3,952,000 | 4,081,000 |
| Securities available for sale | 47,877,000 | 48,952,000 | 52,410,000 | 51,332,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,708,000 | 224,802,000 | 229,644,000 | 239,035,000 |
| Interest-bearing deposits | 152,013,000 | 148,240,000 | 157,881,000 | 166,173,000 |
| Noninterest-bearing deposits | 70,695,000 | 76,562,000 | 71,763,000 | 72,862,000 |
| Equity capital | 27,508,000 | 27,092,000 | 27,566,000 | 28,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,481,000 | 5,101,000 | 7,743,000 | 10,349,000 |
| Interest expense | 168,000 | 330,000 | 517,000 | 671,000 |
| Net interest income | 2,313,000 | 4,771,000 | 7,226,000 | 9,678,000 |
| Noninterest income | 374,000 | 784,000 | 1,120,000 | 1,496,000 |
| Noninterest expense | 1,676,000 | 3,365,000 | 4,995,000 | 6,662,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 987,000 | 2,142,000 | 3,316,000 | 4,453,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 987,000 | 2,142,000 | 3,316,000 | 4,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,904,000 | 26,807,000 | 27,264,000 | 27,857,000 |
| Total capital | 29,538,000 | 29,347,000 | 29,928,000 | 30,546,000 |
| Risk-weighted assets | 209,480,000 | 201,810,000 | 211,840,000 | 213,722,000 |