Call reports 2016
FIRST WESTROADS BANK, INC. — 2016
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 261,931,000 | 255,095,000 | 252,467,000 | 270,156,000 |
| Total loans | 192,780,000 | 193,105,000 | 192,928,000 | 192,547,000 |
| Allowance for loan losses | 4,091,000 | 4,104,000 | 4,117,000 | 3,926,000 |
| Securities available for sale | 51,541,000 | 49,344,000 | 49,561,000 | 45,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,468,000 | 214,562,000 | 208,880,000 | 229,119,000 |
| Interest-bearing deposits | 150,032,000 | 133,965,000 | 128,601,000 | 141,684,000 |
| Noninterest-bearing deposits | 72,436,000 | 80,597,000 | 80,279,000 | 87,435,000 |
| Equity capital | 29,129,000 | 30,289,000 | 30,729,000 | 30,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,578,000 | 5,151,000 | 7,795,000 | 10,238,000 |
| Interest expense | 165,000 | 302,000 | 443,000 | 598,000 |
| Net interest income | 2,413,000 | 4,849,000 | 7,352,000 | 9,640,000 |
| Noninterest income | 418,000 | 724,000 | 1,062,000 | 1,586,000 |
| Noninterest expense | 1,662,000 | 3,199,000 | 4,787,000 | 6,387,000 |
| Provision for loan losses | 13,000 | 26,000 | 39,000 | 52,000 |
| Pretax income | 1,156,000 | 2,348,000 | 3,588,000 | 4,787,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,156,000 | 2,348,000 | 3,588,000 | 4,787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,613,000 | 29,355,000 | 29,978,000 | 30,554,000 |
| Total capital | 31,254,000 | 31,955,000 | 32,570,000 | 33,160,000 |
| Risk-weighted assets | 209,744,000 | 206,494,000 | 205,928,000 | 207,192,000 |