Call reports 2019
WESTERN DAKOTA BANK — 2019
What WESTERN DAKOTA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 39,132,000 | 39,323,000 | 37,873,000 | 42,680,000 |
| Total loans | 13,222,000 | 14,801,000 | 16,662,000 | 16,072,000 |
| Allowance for loan losses | 162,000 | 176,000 | 188,000 | 203,000 |
| Securities available for sale | 2,125,000 | 2,173,000 | 1,924,000 | 1,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,984,000 | 36,093,000 | 34,547,000 | 39,283,000 |
| Interest-bearing deposits | 22,551,000 | 23,822,000 | 22,942,000 | 22,108,000 |
| Noninterest-bearing deposits | 13,433,000 | 12,271,000 | 11,605,000 | 17,175,000 |
| Equity capital | 3,095,000 | 3,171,000 | 3,261,000 | 3,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 334,000 | 693,000 | 1,074,000 | 1,453,000 |
| Interest expense | 41,000 | 87,000 | 132,000 | 179,000 |
| Net interest income | 293,000 | 606,000 | 942,000 | 1,274,000 |
| Noninterest income | 75,000 | 154,000 | 241,000 | 323,000 |
| Noninterest expense | 307,000 | 611,000 | 926,000 | 1,256,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 46,000 | 119,000 | 212,000 | 281,000 |
| Income tax | 4,000 | 9,000 | 13,000 | 10,000 |
| Net income | 42,000 | 110,000 | 199,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,095,000 | 3,163,000 | 3,252,000 | 3,324,000 |
| Total capital | 3,257,000 | 3,339,000 | 3,440,000 | 3,527,000 |
| Risk-weighted assets | 15,551,000 | 17,200,000 | 18,872,000 | 19,084,000 |