Call reports 2019
WESTERN NATIONAL BANK OF CASS LAKE — 2019
What WESTERN NATIONAL BANK OF CASS LAKE 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 | 32,097,000 | 35,103,000 | 33,814,000 | 34,302,000 |
| Total loans | 18,151,000 | 19,409,000 | 20,238,000 | 20,266,000 |
| Allowance for loan losses | 209,000 | 211,000 | 214,000 | 215,000 |
| Securities available for sale | 1,796,000 | 1,768,000 | 1,736,000 | 1,209,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,584,000 | 31,620,000 | 29,564,000 | 30,939,000 |
| Interest-bearing deposits | 19,882,000 | 23,239,000 | 21,580,000 | 22,588,000 |
| Noninterest-bearing deposits | 8,702,000 | 8,381,000 | 7,985,000 | 8,351,000 |
| Equity capital | 3,227,000 | 3,204,000 | 3,221,000 | 3,128,000 |
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 | 679,000 | 1,043,000 | 1,403,000 |
| Interest expense | 64,000 | 130,000 | 209,000 | 285,000 |
| Net interest income | 270,000 | 549,000 | 834,000 | 1,118,000 |
| Noninterest income | -2,000 | 78,000 | 165,000 | 229,000 |
| Noninterest expense | 272,000 | 563,000 | 854,000 | 1,149,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -4,000 | 64,000 | 145,000 | 198,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -4,000 | 64,000 | 145,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,838,000 | 2,807,000 | 2,824,000 | 2,730,000 |
| Total capital | 3,043,000 | 3,018,000 | 3,038,000 | 2,945,000 |
| Risk-weighted assets | 16,428,000 | 17,979,000 | 18,568,000 | 17,819,000 |