Call reports 2025
FIRST WESTROADS BANK, INC. — 2025
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 369,296,000 | 384,604,000 | 389,210,000 | 391,246,000 |
| Total loans | 240,218,000 | 245,578,000 | 251,548,000 | 259,551,000 |
| Allowance for loan losses | 4,792,000 | 4,814,000 | 4,803,000 | 5,275,000 |
| Securities available for sale | 96,945,000 | 109,788,000 | 112,460,000 | 115,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,316,000 | 335,152,000 | 338,178,000 | 326,950,000 |
| Interest-bearing deposits | 216,049,000 | 225,749,000 | 224,904,000 | 208,394,000 |
| Noninterest-bearing deposits | 106,267,000 | 109,403,000 | 113,274,000 | 118,556,000 |
| Equity capital | 39,990,000 | 41,718,000 | 43,359,000 | 42,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,819,000 | 9,963,000 | 15,329,000 | 20,893,000 |
| Interest expense | 1,470,000 | 3,010,000 | 4,625,000 | 6,156,000 |
| Net interest income | 3,349,000 | 6,953,000 | 10,704,000 | 14,737,000 |
| Noninterest income | 255,000 | 484,000 | 756,000 | 1,269,000 |
| Noninterest expense | 2,052,000 | 4,117,000 | 6,274,000 | 8,720,000 |
| Provision for loan losses | 0 | 15,000 | 60,000 | 365,000 |
| Pretax income | 1,552,000 | 3,305,000 | 5,126,000 | 6,921,000 |
| Income tax | 293,000 | 663,000 | 1,043,000 | 1,410,000 |
| Net income | 1,259,000 | 2,642,000 | 4,083,000 | 5,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,676,000 | 42,061,000 | 43,441,000 | 42,265,000 |