# WESTERN BANK OF WOLF POINT
WOLF POINT, MT · FDIC certificate 341 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $102.7M | |
| Deposits | $89.2M | |
| Loans and leases | $44.6M | |
| Total equity | $9.3M | |
| Loans / deposits | 48.85% (p14 of band) | 76.58% |
| Liquid assets / assets | 53.74% (p85 of band) | |
| Uninsured deposits / deposits | 11.83% (p30 of band) | 16.53% |
| Brokered deposits | 26.85% | |
| Wholesale funding | 29.28% (p99 of band) | |
| FHLB advances / assets | 2.43% | |
| Tier 1 leverage | 8.51% (p6 of band) | 11.42% |
| Unrealized securities loss / equity | 4.01% (p91 of band) | 0.65% |
| AOCI / equity | 10.33% (p95 of band) | |
| ROA (annualized) | 0.86% (p40 of band) | 1.01% |
| Net interest margin | 3.10% (p16 of band) | 3.82% |
| Efficiency ratio | 76.00% (p66 of band) | |
| Noncurrent loans | 1.06% (p69 of band) | 0.52% |
| Net charge-offs (annualized) | 0.08% (p72 of band) | |
| Reserve coverage of noncurrent | 211.68% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 13.47% (p46 of band) | |
| Auto loans | $645,000 (1.45% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 1 | capital falling | uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | brokered >10% |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | wholesale funding >15% |  |
| 2014-12 | 1 |  | wholesale funding >15% |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | wholesale funding >15% |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | reserve under noncurrent |  |
| 2016-06 | 3 | charge-offs p90 | reserve under noncurrent |
| 2016-09 | 4 | uninsured deposits leaving |  |
| 2016-12 | 5 | deposits shrinking |  |
| 2017-03 | 3 |  | charge-offs p90, deposits shrinking |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | uninsured deposits leaving |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | deposits shrinking |  |
| 2018-12 | 2 |  | deposits shrinking |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | charge-offs p90 |  |
| 2019-09 | 2 |  | charge-offs p90 |
| 2019-12 | 3 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-01-10 [Coffee Appointed to Minneapolis Fed's Helena Branch Board - Federal Reserve Bank of Minneapolis](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOM01iN044NmZIellzaXZtZEZiTnFUVkUzZGFBamQ4Nlh0dEhlbC1ZdnhNcjNxRENjQ2FEQW1MZlp1SDlfR1RFeElhd3YtUS1UT2VBZDJ4bWtXNS1hNFp4N1lUVWtLb01LaDBxYm9OZ0NvZzdRb25BM2xIbFFjQThWWWlEaWRBdGRSZ2lvbDlSTnYzWXh4c25aQnFHWnoxXzRkS3JtWWplSlN5UQ?oc=5) · Federal Reserve Bank of Minneapolis

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=341 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "341", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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