Call reports 2008
WESTERN DAKOTA BANK — 2008
What WESTERN DAKOTA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 23,239,000 | 23,860,000 | 24,829,000 | 25,415,000 |
| Total loans | 5,975,000 | 6,445,000 | 7,093,000 | 6,657,000 |
| Allowance for loan losses | 120,000 | 119,000 | 125,000 | 126,000 |
| Securities available for sale | 11,609,000 | 13,175,000 | 10,272,000 | 8,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,671,000 | 21,499,000 | 22,411,000 | 22,971,000 |
| Interest-bearing deposits | 15,719,000 | 16,543,000 | 17,391,000 | 16,578,000 |
| Noninterest-bearing deposits | 4,952,000 | 4,956,000 | 5,020,000 | 6,393,000 |
| Equity capital | 2,501,000 | 2,294,000 | 2,351,000 | 2,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 319,000 | 625,000 | 926,000 | 1,231,000 |
| Interest expense | 104,000 | 213,000 | 314,000 | 407,000 |
| Net interest income | 215,000 | 412,000 | 612,000 | 824,000 |
| Noninterest income | 16,000 | 7,000 | 11,000 | 19,000 |
| Noninterest expense | 168,000 | 351,000 | 572,000 | 843,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 63,000 | 68,000 | 51,000 | 0 |
| Income tax | 4,000 | 8,000 | 11,000 | 15,000 |
| Net income | 59,000 | 60,000 | 40,000 | -15,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,767,000 | 1,772,000 | 1,759,000 | 1,729,000 |
| Total capital | 1,887,000 | 1,891,000 | 1,884,000 | 1,855,000 |
| Risk-weighted assets | 11,857,000 | 11,056,000 | 13,841,000 | 13,575,000 |
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