Call reports 2014
WESTERN DAKOTA BANK — 2014
What WESTERN DAKOTA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 32,121,000 | 34,328,000 | 32,343,000 | 34,640,000 |
| Total loans | 6,585,000 | 6,407,000 | 7,459,000 | 6,284,000 |
| Allowance for loan losses | 85,000 | 87,000 | 83,000 | 80,000 |
| Securities available for sale | 3,640,000 | 2,453,000 | 2,334,000 | 5,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,376,000 | 31,559,000 | 29,577,000 | 31,891,000 |
| Interest-bearing deposits | 15,059,000 | 16,475,000 | 14,818,000 | 15,703,000 |
| Noninterest-bearing deposits | 14,317,000 | 15,084,000 | 14,759,000 | 16,188,000 |
| Equity capital | 2,654,000 | 2,676,000 | 2,670,000 | 2,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 213,000 | 443,000 | 663,000 | 867,000 |
| Interest expense | 18,000 | 36,000 | 53,000 | 71,000 |
| Net interest income | 195,000 | 407,000 | 610,000 | 796,000 |
| Noninterest income | 39,000 | 72,000 | 109,000 | 146,000 |
| Noninterest expense | 238,000 | 483,000 | 716,000 | 938,000 |
| Provision for loan losses | -10,000 | -10,000 | -10,000 | -10,000 |
| Pretax income | 6,000 | 53,000 | 63,000 | 64,000 |
| Income tax | 4,000 | 8,000 | 11,000 | 15,000 |
| Net income | 2,000 | 45,000 | 52,000 | 49,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,549,000 | 2,616,000 | 2,640,000 | 2,636,000 |
| Total capital | 2,634,000 | 2,703,000 | 2,723,000 | 2,716,000 |
| Risk-weighted assets | 12,095,000 | 12,379,000 | 12,850,000 | 12,413,000 |