Call reports 2015
WESTERN DAKOTA BANK — 2015
What WESTERN DAKOTA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 32,509,000 | 36,422,000 | 33,563,000 | 35,572,000 |
| Total loans | 6,224,000 | 6,657,000 | 7,099,000 | 6,690,000 |
| Allowance for loan losses | 78,000 | 77,000 | 74,000 | 73,000 |
| Securities available for sale | 5,245,000 | 6,197,000 | 6,136,000 | 6,100,000 |
| Securities held to maturity | 0 | 0 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,813,000 | 33,743,000 | 30,908,000 | 32,966,000 |
| Interest-bearing deposits | 16,270,000 | 17,232,000 | 16,320,000 | 16,749,000 |
| Noninterest-bearing deposits | 13,543,000 | 16,511,000 | 14,588,000 | 16,218,000 |
| Equity capital | 2,618,000 | 2,584,000 | 2,561,000 | 2,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 194,000 | 405,000 | 636,000 | 859,000 |
| Interest expense | 19,000 | 37,000 | 56,000 | 75,000 |
| Net interest income | 175,000 | 368,000 | 580,000 | 784,000 |
| Noninterest income | 34,000 | 71,000 | 116,000 | 207,000 |
| Noninterest expense | 234,000 | 457,000 | 681,000 | 940,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -25,000 | -18,000 | 15,000 | 51,000 |
| Income tax | -9,000 | -9,000 | -9,000 | -9,000 |
| Net income | -16,000 | -9,000 | 24,000 | 60,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,620,000 | 2,628,000 | 2,661,000 | 2,697,000 |
| Total capital | 2,698,000 | 2,705,000 | 2,735,000 | 2,770,000 |
| Risk-weighted assets | 12,126,000 | 11,473,000 | 11,264,000 | 11,229,000 |