Call reports 2015
WESTERN BANK OF WOLF POINT — 2015
What WESTERN BANK OF WOLF POINT reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 91,494,000 | 91,392,000 | 91,034,000 | 93,948,000 |
| Total loans | 37,332,000 | 40,436,000 | 42,018,000 | 43,488,000 |
| Allowance for loan losses | 904,000 | 898,000 | 953,000 | 961,000 |
| Securities available for sale | 39,277,000 | 40,007,000 | 37,100,000 | 37,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,790,000 | 79,784,000 | 76,954,000 | 80,802,000 |
| Interest-bearing deposits | 59,520,000 | 60,947,000 | 58,207,000 | 60,890,000 |
| Noninterest-bearing deposits | 21,271,000 | 18,837,000 | 18,747,000 | 19,912,000 |
| Equity capital | 8,805,000 | 8,829,000 | 9,350,000 | 9,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 789,000 | 1,601,000 | 2,449,000 | 3,298,000 |
| Interest expense | 92,000 | 176,000 | 258,000 | 335,000 |
| Net interest income | 697,000 | 1,425,000 | 2,191,000 | 2,963,000 |
| Noninterest income | 105,000 | 216,000 | 337,000 | 473,000 |
| Noninterest expense | 524,000 | 1,059,000 | 1,579,000 | 2,105,000 |
| Provision for loan losses | 13,000 | 25,000 | 61,000 | 97,000 |
| Pretax income | 311,000 | 605,000 | 962,000 | 1,308,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 311,000 | 605,000 | 962,000 | 1,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,951,000 | 8,245,000 | 8,602,000 | 8,948,000 |
| Total capital | 8,569,000 | 8,896,000 | 9,259,000 | 9,625,000 |
| Risk-weighted assets | 48,776,000 | 51,811,000 | 52,254,000 | 53,846,000 |