Call reports 2018
FIRST WESTROADS BANK, INC. — 2018
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 261,004,000 | 252,265,000 | 262,998,000 | 266,457,000 |
| Total loans | 215,287,000 | 209,922,000 | 223,180,000 | 218,398,000 |
| Allowance for loan losses | 4,203,000 | 4,338,000 | 4,409,000 | 4,564,000 |
| Securities available for sale | 40,100,000 | 38,786,000 | 35,991,000 | 33,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,323,000 | 209,859,000 | 220,712,000 | 223,530,000 |
| Interest-bearing deposits | 121,503,000 | 130,396,000 | 131,724,000 | 140,686,000 |
| Noninterest-bearing deposits | 75,820,000 | 79,463,000 | 88,988,000 | 82,844,000 |
| Equity capital | 30,943,000 | 31,990,000 | 32,021,000 | 33,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,760,000 | 5,579,000 | 8,524,000 | 11,653,000 |
| Interest expense | 234,000 | 506,000 | 781,000 | 1,147,000 |
| Net interest income | 2,526,000 | 5,073,000 | 7,743,000 | 10,506,000 |
| Noninterest income | 263,000 | 511,000 | 760,000 | 1,031,000 |
| Noninterest expense | 1,618,000 | 3,243,000 | 4,798,000 | 6,346,000 |
| Provision for loan losses | 66,000 | 201,000 | 270,000 | 414,000 |
| Pretax income | 1,105,000 | 2,140,000 | 3,435,000 | 4,777,000 |
| Income tax | 0 | -412,000 | -161,000 | -36,000 |
| Net income | 1,105,000 | 2,552,000 | 3,596,000 | 4,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,904,000 | 31,959,000 | 32,611,000 | 33,436,000 |
| Total capital | 33,718,000 | 34,627,000 | 35,440,000 | 36,224,000 |
| Risk-weighted assets | 223,730,000 | 211,773,000 | 224,834,000 | 221,282,000 |