Call reports 2008
WESTERN BANK OF WOLF POINT — 2008
What WESTERN BANK OF WOLF POINT reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 65,258,000 | 63,286,000 | 61,353,000 | 65,345,000 |
| Total loans | 25,974,000 | 28,191,000 | 29,692,000 | 28,599,000 |
| Allowance for loan losses | 392,000 | 390,000 | 388,000 | 686,000 |
| Securities available for sale | 21,255,000 | 23,111,000 | 20,462,000 | 21,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,844,000 | 49,870,000 | 45,744,000 | 52,143,000 |
| Interest-bearing deposits | 42,597,000 | 40,844,000 | 37,007,000 | 42,065,000 |
| Noninterest-bearing deposits | 9,247,000 | 9,026,000 | 8,737,000 | 10,079,000 |
| Equity capital | 5,509,000 | 5,389,000 | 5,799,000 | 5,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 880,000 | 1,754,000 | 2,614,000 | 3,434,000 |
| Interest expense | 355,000 | 689,000 | 1,007,000 | 1,286,000 |
| Net interest income | 525,000 | 1,065,000 | 1,607,000 | 2,148,000 |
| Noninterest income | 98,000 | 208,000 | 310,000 | 421,000 |
| Noninterest expense | 402,000 | 856,000 | 1,275,000 | 1,683,000 |
| Provision for loan losses | 0 | 0 | 0 | 300,000 |
| Pretax income | 221,000 | 417,000 | 645,000 | 589,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 221,000 | 417,000 | 645,000 | 589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,199,000 | 5,370,000 | 5,597,000 | 5,541,000 |
| Total capital | 5,591,000 | 5,760,000 | 5,985,000 | 6,017,000 |
| Risk-weighted assets | 35,063,000 | 37,094,000 | 38,031,000 | 37,868,000 |