Call reports 2022
WESTERN DAKOTA BANK — 2022
What WESTERN DAKOTA BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 59,564,000 | 65,210,000 | 66,529,000 | 69,720,000 |
| Total loans | 20,147,000 | 21,837,000 | 22,661,000 | 22,414,000 |
| Allowance for loan losses | 299,000 | 313,000 | 328,000 | 389,000 |
| Securities available for sale | 7,484,000 | 10,394,000 | 10,048,000 | 10,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,026,000 | 60,741,000 | 62,077,000 | 64,407,000 |
| Interest-bearing deposits | 31,769,000 | 35,480,000 | 37,673,000 | 37,892,000 |
| Noninterest-bearing deposits | 23,257,000 | 25,261,000 | 24,404,000 | 26,515,000 |
| Equity capital | 4,503,000 | 4,419,000 | 4,371,000 | 5,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 344,000 | 756,000 | 1,257,000 | 1,884,000 |
| Interest expense | 23,000 | 47,000 | 92,000 | 160,000 |
| Net interest income | 321,000 | 709,000 | 1,165,000 | 1,724,000 |
| Noninterest income | 104,000 | 194,000 | 294,000 | 851,000 |
| Noninterest expense | 324,000 | 666,000 | 1,000,000 | 1,341,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 110,000 |
| Pretax income | 86,000 | 207,000 | 414,000 | 1,127,000 |
| Income tax | 4,000 | 9,000 | 23,000 | 47,000 |
| Net income | 82,000 | 198,000 | 391,000 | 1,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,928,000 | 4,975,000 | 5,157,000 | 5,846,000 |
| Total capital | 5,224,000 | 5,288,000 | 5,485,000 | 6,186,000 |
| Risk-weighted assets | 23,641,000 | 25,871,000 | 27,599,000 | 27,185,000 |