Call reports 2020
WESTERN DAKOTA BANK — 2020
What WESTERN DAKOTA BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 40,458,000 | 44,095,000 | 44,626,000 | 48,482,000 |
| Total loans | 16,234,000 | 18,188,000 | 19,669,000 | 16,778,000 |
| Allowance for loan losses | 212,000 | 226,000 | 241,000 | 250,000 |
| Securities available for sale | 1,174,000 | 1,168,000 | 1,336,000 | 1,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,088,000 | 40,588,000 | 41,035,000 | 44,813,000 |
| Interest-bearing deposits | 23,939,000 | 26,023,000 | 25,681,000 | 26,693,000 |
| Noninterest-bearing deposits | 13,149,000 | 14,565,000 | 15,354,000 | 18,120,000 |
| Equity capital | 3,311,000 | 3,380,000 | 3,485,000 | 3,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 378,000 | 735,000 | 1,122,000 | 1,492,000 |
| Interest expense | 44,000 | 78,000 | 110,000 | 138,000 |
| Net interest income | 334,000 | 657,000 | 1,012,000 | 1,354,000 |
| Noninterest income | 74,000 | 152,000 | 232,000 | 312,000 |
| Noninterest expense | 336,000 | 654,000 | 967,000 | 1,246,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 57,000 | 125,000 | 232,000 | 360,000 |
| Income tax | 4,000 | 8,000 | 11,000 | 14,000 |
| Net income | 53,000 | 117,000 | 221,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,302,000 | 3,366,000 | 3,470,000 | 3,595,000 |
| Total capital | 3,514,000 | 3,592,000 | 3,711,000 | 3,845,000 |
| Risk-weighted assets | 19,318,000 | 21,004,000 | 24,078,000 | 22,444,000 |