Call reports 2025
WESTERN DAKOTA BANK — 2025
What WESTERN DAKOTA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 76,253,000 | 78,157,000 | 77,757,000 | 85,877,000 |
| Total loans | 24,454,000 | 27,537,000 | 28,617,000 | 25,872,000 |
| Allowance for loan losses | 381,000 | 385,000 | 389,000 | 393,000 |
| Securities available for sale | 4,806,000 | 3,351,000 | 2,820,000 | 1,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,681,000 | 70,662,000 | 69,920,000 | 77,717,000 |
| Interest-bearing deposits | 49,196,000 | 54,803,000 | 53,902,000 | 54,787,000 |
| Noninterest-bearing deposits | 19,485,000 | 15,859,000 | 16,018,000 | 22,930,000 |
| Equity capital | 7,282,000 | 7,142,000 | 7,456,000 | 7,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 862,000 | 1,814,000 | 2,765,000 | 3,769,000 |
| Interest expense | 273,000 | 596,000 | 936,000 | 1,270,000 |
| Net interest income | 589,000 | 1,218,000 | 1,829,000 | 2,499,000 |
| Noninterest income | 52,000 | 128,000 | 186,000 | 246,000 |
| Noninterest expense | 403,000 | 786,000 | 1,156,000 | 1,553,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 232,000 | 548,000 | 841,000 | 1,168,000 |
| Income tax | 12,000 | 25,000 | 37,000 | 50,000 |
| Net income | 220,000 | 523,000 | 804,000 | 1,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,428,000 | 7,246,000 | 7,527,000 | 7,841,000 |