Call reports 2005
FIRST WESTERN BANK CUSTER — 2005
What FIRST WESTERN BANK CUSTER reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 99,542,000 | 101,974,000 | 97,669,000 | 96,556,000 |
| Total loans | 68,771,000 | 71,573,000 | 69,425,000 | 67,965,000 |
| Allowance for loan losses | 994,000 | 993,000 | 993,000 | 993,000 |
| Securities available for sale | 24,968,000 | 22,961,000 | 20,820,000 | 18,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,692,000 | 84,327,000 | 86,643,000 | 86,030,000 |
| Interest-bearing deposits | 64,473,000 | 68,366,000 | 70,108,000 | 70,839,000 |
| Noninterest-bearing deposits | 13,219,000 | 15,961,000 | 16,535,000 | 15,191,000 |
| Equity capital | 9,006,000 | 9,389,000 | 9,454,000 | 9,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,324,000 | 2,772,000 | 4,201,000 | 5,614,000 |
| Interest expense | 408,000 | 889,000 | 1,368,000 | 1,867,000 |
| Net interest income | 916,000 | 1,883,000 | 2,833,000 | 3,747,000 |
| Noninterest income | 101,000 | 203,000 | 319,000 | 418,000 |
| Noninterest expense | 512,000 | 1,045,000 | 1,599,000 | 2,143,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 506,000 | 1,042,000 | 1,554,000 | 2,023,000 |
| Income tax | 22,000 | 45,000 | 66,000 | 87,000 |
| Net income | 484,000 | 997,000 | 1,488,000 | 1,936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,169,000 | 9,482,000 | 9,555,000 | 9,195,000 |
| Total capital | 10,148,000 | 10,475,000 | 10,526,000 | 10,132,000 |
| Risk-weighted assets | 78,277,000 | 80,734,000 | 77,639,000 | 74,908,000 |