Call reports 2003
WESTERN BANK OF WOLF POINT — 2003
What WESTERN BANK OF WOLF POINT reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 49,037,000 | 49,897,000 | 49,382,000 | 51,130,000 |
| Total loans | 21,396,000 | 23,726,000 | 24,444,000 | 22,650,000 |
| Allowance for loan losses | 411,000 | 408,000 | 416,000 | 392,000 |
| Securities available for sale | 18,439,000 | 21,303,000 | 20,219,000 | 19,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,740,000 | 39,484,000 | 38,658,000 | 40,240,000 |
| Interest-bearing deposits | 33,355,000 | 32,193,000 | 30,968,000 | 31,882,000 |
| Noninterest-bearing deposits | 7,385,000 | 7,291,000 | 7,690,000 | 8,358,000 |
| Equity capital | 4,621,000 | 5,190,000 | 4,951,000 | 5,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 635,000 | 1,289,000 | 1,941,000 | 2,593,000 |
| Interest expense | 207,000 | 395,000 | 579,000 | 756,000 |
| Net interest income | 428,000 | 894,000 | 1,362,000 | 1,837,000 |
| Noninterest income | 89,000 | 189,000 | 291,000 | 388,000 |
| Noninterest expense | 351,000 | 707,000 | 1,055,000 | 1,482,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 166,000 | 418,000 | 640,000 | 785,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 166,000 | 418,000 | 640,000 | 784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,140,000 | 4,392,000 | 4,614,000 | 4,759,000 |
| Total capital | 4,481,000 | 4,758,000 | 4,985,000 | 5,119,000 |
| Risk-weighted assets | 27,206,000 | 29,218,000 | 29,843,000 | 28,799,000 |