Call reports 2014
WESTERN BANK OF WOLF POINT — 2014
What WESTERN BANK OF WOLF POINT reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 85,994,000 | 89,318,000 | 87,493,000 | 89,104,000 |
| Total loans | 36,724,000 | 38,568,000 | 39,399,000 | 38,782,000 |
| Allowance for loan losses | 827,000 | 849,000 | 872,000 | 896,000 |
| Securities available for sale | 37,914,000 | 41,787,000 | 42,568,000 | 43,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,433,000 | 79,212,000 | 74,328,000 | 78,147,000 |
| Interest-bearing deposits | 53,573,000 | 55,804,000 | 54,896,000 | 59,020,000 |
| Noninterest-bearing deposits | 22,861,000 | 23,408,000 | 19,431,000 | 19,127,000 |
| Equity capital | 7,716,000 | 8,228,000 | 8,665,000 | 9,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 778,000 | 1,536,000 | 2,397,000 | 3,202,000 |
| Interest expense | 83,000 | 174,000 | 267,000 | 365,000 |
| Net interest income | 695,000 | 1,362,000 | 2,130,000 | 2,837,000 |
| Noninterest income | 119,000 | 236,000 | 348,000 | 480,000 |
| Noninterest expense | 510,000 | 1,038,000 | 1,551,000 | 2,041,000 |
| Provision for loan losses | 23,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 281,000 | 515,000 | 860,000 | 1,186,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 281,000 | 515,000 | 860,000 | 1,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,311,000 | 7,544,000 | 7,890,000 | 8,215,000 |
| Total capital | 7,906,000 | 8,174,000 | 8,540,000 | 8,857,000 |
| Risk-weighted assets | 47,379,000 | 50,149,000 | 51,795,000 | 51,116,000 |