Call reports 2004
WESTERN BANK OF WOLF POINT — 2004
What WESTERN BANK OF WOLF POINT reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 51,173,000 | 53,262,000 | 53,546,000 | 51,010,000 |
| Total loans | 21,424,000 | 24,624,000 | 24,905,000 | 22,842,000 |
| Allowance for loan losses | 395,000 | 393,000 | 379,000 | 392,000 |
| Securities available for sale | 22,192,000 | 23,798,000 | 23,255,000 | 21,798,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,486,000 | 39,634,000 | 39,755,000 | 40,302,000 |
| Interest-bearing deposits | 32,503,000 | 32,196,000 | 31,814,000 | 31,374,000 |
| Noninterest-bearing deposits | 7,983,000 | 7,437,000 | 7,940,000 | 8,928,000 |
| Equity capital | 4,923,000 | 4,431,000 | 5,042,000 | 5,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 635,000 | 1,269,000 | 1,944,000 | 2,594,000 |
| Interest expense | 176,000 | 350,000 | 540,000 | 728,000 |
| Net interest income | 459,000 | 919,000 | 1,404,000 | 1,866,000 |
| Noninterest income | 103,000 | 215,000 | 309,000 | 439,000 |
| Noninterest expense | 362,000 | 725,000 | 1,120,000 | 1,514,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 200,000 | 409,000 | 593,000 | 791,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 200,000 | 409,000 | 593,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,359,000 | 4,568,000 | 4,751,000 | 4,950,000 |
| Total capital | 4,714,000 | 4,956,000 | 5,130,000 | 5,315,000 |
| Risk-weighted assets | 28,371,000 | 30,999,000 | 30,919,000 | 29,203,000 |