Call reports 2005
WESTERN BANK OF WOLF POINT — 2005
What WESTERN BANK OF WOLF POINT reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 50,734,000 | 54,199,000 | 54,289,000 | 52,986,000 |
| Total loans | 24,539,000 | 27,969,000 | 29,328,000 | 26,950,000 |
| Allowance for loan losses | 386,000 | 386,000 | 407,000 | 393,000 |
| Securities available for sale | 21,729,000 | 21,512,000 | 20,676,000 | 19,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,711,000 | 41,253,000 | 39,459,000 | 41,768,000 |
| Interest-bearing deposits | 33,221,000 | 33,978,000 | 32,978,000 | 33,785,000 |
| Noninterest-bearing deposits | 8,490,000 | 7,274,000 | 6,482,000 | 7,983,000 |
| Equity capital | 4,518,000 | 4,789,000 | 5,002,000 | 5,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 658,000 | 1,355,000 | 2,119,000 | 2,852,000 |
| Interest expense | 194,000 | 411,000 | 678,000 | 937,000 |
| Net interest income | 464,000 | 944,000 | 1,441,000 | 1,915,000 |
| Noninterest income | 107,000 | 222,000 | 333,000 | 438,000 |
| Noninterest expense | 370,000 | 769,000 | 1,150,000 | 1,530,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 201,000 | 397,000 | 624,000 | 823,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 201,000 | 397,000 | 624,000 | 823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,600,000 | 4,796,000 | 5,025,000 | 5,388,000 |
| Total capital | 4,969,000 | 5,182,000 | 5,432,000 | 5,781,000 |
| Risk-weighted assets | 29,495,000 | 32,375,000 | 33,607,000 | 32,399,000 |