Call reports 2021
WESTERN DAKOTA BANK — 2021
What WESTERN DAKOTA BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 50,535,000 | 50,851,000 | 52,610,000 | 59,007,000 |
| Total loans | 20,788,000 | 20,757,000 | 20,102,000 | 20,072,000 |
| Allowance for loan losses | 267,000 | 274,000 | 288,000 | 284,000 |
| Securities available for sale | 3,073,000 | 3,329,000 | 4,678,000 | 7,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,937,000 | 46,733,000 | 48,236,000 | 54,669,000 |
| Interest-bearing deposits | 27,989,000 | 29,208,000 | 30,341,000 | 30,390,000 |
| Noninterest-bearing deposits | 18,948,000 | 17,525,000 | 17,895,000 | 24,279,000 |
| Equity capital | 3,562,000 | 4,047,000 | 4,245,000 | 4,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 335,000 | 1,119,000 | 1,579,000 | 1,983,000 |
| Interest expense | 26,000 | 53,000 | 79,000 | 103,000 |
| Net interest income | 309,000 | 1,066,000 | 1,500,000 | 1,880,000 |
| Noninterest income | 91,000 | 176,000 | 300,000 | 404,000 |
| Noninterest expense | 306,000 | 617,000 | 938,000 | 1,330,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 79,000 | 595,000 | 817,000 | 894,000 |
| Income tax | 2,000 | 32,000 | 46,000 | 53,000 |
| Net income | 77,000 | 563,000 | 771,000 | 841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,587,000 | 4,072,000 | 4,281,000 | 4,351,000 |
| Total capital | 3,854,000 | 4,346,000 | 4,569,000 | 4,635,000 |
| Risk-weighted assets | 26,359,000 | 23,493,000 | 23,525,000 | 23,733,000 |