Call reports 2009
WESTERN BANK OF WOLF POINT — 2009
What WESTERN BANK OF WOLF POINT reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 63,835,000 | 62,028,000 | 62,770,000 | 66,274,000 |
| Total loans | 27,343,000 | 29,043,000 | 28,939,000 | 27,469,000 |
| Allowance for loan losses | 769,000 | 834,000 | 637,000 | 603,000 |
| Securities available for sale | 24,039,000 | 22,104,000 | 21,232,000 | 23,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,975,000 | 49,803,000 | 50,267,000 | 53,434,000 |
| Interest-bearing deposits | 41,221,000 | 39,854,000 | 39,941,000 | 43,032,000 |
| Noninterest-bearing deposits | 10,754,000 | 9,948,000 | 10,326,000 | 10,401,000 |
| Equity capital | 5,383,000 | 5,695,000 | 5,955,000 | 6,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 787,000 | 1,537,000 | 2,301,000 | 3,049,000 |
| Interest expense | 235,000 | 439,000 | 629,000 | 815,000 |
| Net interest income | 552,000 | 1,098,000 | 1,672,000 | 2,234,000 |
| Noninterest income | 89,000 | 170,000 | 270,000 | 407,000 |
| Noninterest expense | 450,000 | 849,000 | 1,268,000 | 1,624,000 |
| Provision for loan losses | 80,000 | 145,000 | 360,000 | 360,000 |
| Pretax income | 118,000 | 281,000 | 321,000 | 664,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 118,000 | 281,000 | 321,000 | 664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,109,000 | 5,271,000 | 5,312,000 | 5,654,000 |
| Total capital | 5,660,000 | 5,729,000 | 5,783,000 | 6,120,000 |
| Risk-weighted assets | 43,875,000 | 36,706,000 | 37,485,000 | 37,113,000 |