Call reports 2016
WESTERN DAKOTA BANK — 2016
What WESTERN DAKOTA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 34,719,000 | 36,099,000 | 35,064,000 | 34,726,000 |
| Total loans | 7,198,000 | 7,364,000 | 8,078,000 | 8,159,000 |
| Allowance for loan losses | 72,000 | 71,000 | 72,000 | 70,000 |
| Securities available for sale | 3,141,000 | 3,165,000 | 3,136,000 | 4,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,123,000 | 33,466,000 | 32,409,000 | 32,126,000 |
| Interest-bearing deposits | 17,216,000 | 18,245,000 | 17,184,000 | 17,567,000 |
| Noninterest-bearing deposits | 14,907,000 | 15,221,000 | 15,225,000 | 14,559,000 |
| Equity capital | 2,575,000 | 2,612,000 | 2,633,000 | 2,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 177,000 | 365,000 | 565,000 | 761,000 |
| Interest expense | 19,000 | 38,000 | 59,000 | 78,000 |
| Net interest income | 158,000 | 327,000 | 506,000 | 683,000 |
| Noninterest income | 77,000 | 155,000 | 238,000 | 322,000 |
| Noninterest expense | 242,000 | 475,000 | 727,000 | 999,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,000 | 17,000 | 27,000 | 16,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,000 | 17,000 | 27,000 | 16,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,701,000 | 2,714,000 | 2,725,000 | 2,714,000 |
| Total capital | 2,773,000 | 2,785,000 | 2,797,000 | 2,784,000 |
| Risk-weighted assets | 10,580,000 | 10,829,000 | 11,339,000 | 11,968,000 |