Call reports 2021
FIRST WESTROADS BANK, INC. — 2021
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 346,800,000 | 355,836,000 | 360,188,000 | 365,955,000 |
| Total loans | 240,516,000 | 228,349,000 | 226,869,000 | 217,876,000 |
| Allowance for loan losses | 4,840,000 | 4,931,000 | 4,941,000 | 4,954,000 |
| Securities available for sale | 24,436,000 | 22,447,000 | 21,578,000 | 32,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,540,000 | 306,371,000 | 312,280,000 | 317,219,000 |
| Interest-bearing deposits | 183,922,000 | 186,730,000 | 191,517,000 | 190,735,000 |
| Noninterest-bearing deposits | 113,618,000 | 119,641,000 | 120,763,000 | 126,484,000 |
| Equity capital | 38,083,000 | 38,456,000 | 38,899,000 | 39,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,987,000 | 5,730,000 | 8,432,000 | 11,359,000 |
| Interest expense | 219,000 | 429,000 | 612,000 | 787,000 |
| Net interest income | 2,768,000 | 5,301,000 | 7,820,000 | 10,572,000 |
| Noninterest income | 408,000 | 769,000 | 1,161,000 | 1,588,000 |
| Noninterest expense | 1,860,000 | 3,653,000 | 5,452,000 | 7,137,000 |
| Provision for loan losses | 66,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 1,250,000 | 2,297,000 | 3,409,000 | 4,903,000 |
| Income tax | 249,000 | 456,000 | 676,000 | 979,000 |
| Net income | 1,001,000 | 1,841,000 | 2,733,000 | 3,924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,500,000 | 37,941,000 | 38,432,000 | 39,223,000 |
| Total capital | 40,199,000 | 40,622,000 | 41,155,000 | 41,963,000 |
| Risk-weighted assets | 213,762,000 | 212,237,000 | 215,595,000 | 217,012,000 |