Call reports 2016
WESTERN BANK OF WOLF POINT — 2016
What WESTERN BANK OF WOLF POINT reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 93,131,000 | 97,063,000 | 95,310,000 | 90,775,000 |
| Total loans | 42,895,000 | 45,118,000 | 45,096,000 | 42,979,000 |
| Allowance for loan losses | 978,000 | 931,000 | 964,000 | 843,000 |
| Securities available for sale | 38,754,000 | 38,327,000 | 37,276,000 | 36,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,647,000 | 83,811,000 | 76,499,000 | 76,215,000 |
| Interest-bearing deposits | 58,685,000 | 64,955,000 | 58,219,000 | 58,372,000 |
| Noninterest-bearing deposits | 19,962,000 | 18,857,000 | 18,280,000 | 17,843,000 |
| Equity capital | 9,563,000 | 9,764,000 | 10,089,000 | 9,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 828,000 | 1,698,000 | 2,551,000 | 3,386,000 |
| Interest expense | 75,000 | 152,000 | 231,000 | 307,000 |
| Net interest income | 753,000 | 1,546,000 | 2,320,000 | 3,079,000 |
| Noninterest income | 100,000 | 197,000 | 306,000 | 429,000 |
| Noninterest expense | 516,000 | 1,065,000 | 1,598,000 | 2,114,000 |
| Provision for loan losses | 15,000 | 245,000 | 275,000 | 305,000 |
| Pretax income | 322,000 | 651,000 | 971,000 | 1,307,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 322,000 | 651,000 | 971,000 | 1,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,669,000 | 8,999,000 | 9,318,000 | 9,654,000 |
| Total capital | 9,347,000 | 9,712,000 | 10,006,000 | 10,329,000 |
| Risk-weighted assets | 53,950,000 | 56,836,000 | 54,779,000 | 53,834,000 |