Call reports 2019
FIRST WESTROADS BANK, INC. — 2019
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 266,595,000 | 268,225,000 | 270,426,000 | 270,134,000 |
| Total loans | 229,495,000 | 225,227,000 | 222,598,000 | 223,288,000 |
| Allowance for loan losses | 4,588,000 | 4,611,000 | 4,627,000 | 4,645,000 |
| Securities available for sale | 33,209,000 | 31,622,000 | 31,102,000 | 34,070,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,359,000 | 223,564,000 | 224,852,000 | 223,736,000 |
| Interest-bearing deposits | 135,647,000 | 143,233,000 | 142,640,000 | 142,164,000 |
| Noninterest-bearing deposits | 82,712,000 | 80,331,000 | 82,212,000 | 81,572,000 |
| Equity capital | 33,927,000 | 34,845,000 | 35,664,000 | 36,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,024,000 | 6,200,000 | 9,429,000 | 12,583,000 |
| Interest expense | 408,000 | 859,000 | 1,338,000 | 1,763,000 |
| Net interest income | 2,616,000 | 5,341,000 | 8,091,000 | 10,820,000 |
| Noninterest income | 248,000 | 580,000 | 937,000 | 1,275,000 |
| Noninterest expense | 1,651,000 | 3,353,000 | 4,992,000 | 6,612,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,198,000 | 2,538,000 | 3,991,000 | 5,423,000 |
| Income tax | 231,000 | 493,000 | 779,000 | 1,061,000 |
| Net income | 967,000 | 2,045,000 | 3,212,000 | 4,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,012,000 | 34,697,000 | 35,464,000 | 36,214,000 |
| Total capital | 36,951,000 | 37,552,000 | 38,294,000 | 39,062,000 |
| Risk-weighted assets | 233,461,000 | 226,666,000 | 224,678,000 | 226,073,000 |