Call reports 2025
WESTERN NATIONAL BANK OF CASS LAKE — 2025
What WESTERN NATIONAL BANK OF CASS LAKE 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 | 32,697,000 | 33,230,000 | 33,830,000 | 38,486,000 |
| Total loans | 11,942,000 | 11,800,000 | 12,310,000 | 12,470,000 |
| Allowance for loan losses | 182,000 | 212,000 | 182,000 | 182,000 |
| Securities available for sale | 3,463,000 | 2,470,000 | 8,493,000 | 8,518,000 |
| Securities held to maturity | 9,907,000 | 8,425,000 | 6,936,000 | 6,942,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,723,000 | 29,427,000 | 29,838,000 | 34,480,000 |
| Interest-bearing deposits | 16,239,000 | 17,486,000 | 16,329,000 | 18,990,000 |
| Noninterest-bearing deposits | 11,484,000 | 11,941,000 | 13,509,000 | 15,490,000 |
| Equity capital | 3,630,000 | 3,673,000 | 3,749,000 | 3,819,000 |
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 | 369,000 | 762,000 | 1,188,000 | 1,644,000 |
| Interest expense | 45,000 | 92,000 | 139,000 | 192,000 |
| Net interest income | 324,000 | 670,000 | 1,049,000 | 1,452,000 |
| Noninterest income | 282,000 | 516,000 | 762,000 | 961,000 |
| Noninterest expense | 434,000 | 868,000 | 1,324,000 | 1,775,000 |
| Provision for loan losses | 0 | 30,000 | 75,000 | 75,000 |
| Pretax income | 172,000 | 288,000 | 412,000 | 563,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 172,000 | 288,000 | 412,000 | 563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,255,000 | 3,292,000 | 3,335,000 | 3,385,000 |
| Total capital | — | 3,448,000 | 3,509,000 | 3,545,000 |
| Risk-weighted assets | — | 12,499,000 | 13,951,000 | 12,815,000 |