Call reports 2003
BODCAW BANK — 2003
What BODCAW BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 72,655,000 | 74,581,000 | 72,966,000 | 72,259,000 |
| Total loans | 19,635,000 | 19,390,000 | 20,152,000 | 20,231,000 |
| Allowance for loan losses | 174,000 | 187,000 | 186,000 | 193,000 |
| Securities available for sale | 39,003,000 | 37,504,000 | 39,317,000 | 35,429,000 |
| Securities held to maturity | 7,069,000 | 6,706,000 | 8,465,000 | 8,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,105,000 | 62,213,000 | 60,986,000 | 63,169,000 |
| Interest-bearing deposits | 53,526,000 | 54,513,000 | 54,137,000 | 55,507,000 |
| Noninterest-bearing deposits | 6,579,000 | 7,700,000 | 6,849,000 | 7,662,000 |
| Equity capital | 11,635,000 | 11,445,000 | 11,258,000 | 8,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 813,000 | 1,640,000 | 2,429,000 | 3,270,000 |
| Interest expense | 369,000 | 737,000 | 1,103,000 | 1,458,000 |
| Net interest income | 444,000 | 903,000 | 1,326,000 | 1,812,000 |
| Noninterest income | 44,000 | 90,000 | 141,000 | 170,000 |
| Noninterest expense | 254,000 | 485,000 | 719,000 | 1,013,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 323,000 | 588,000 | 821,000 | 959,000 |
| Income tax | 100,000 | 150,000 | 210,000 | 220,000 |
| Net income | 223,000 | 438,000 | 611,000 | 739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,539,000 | 10,254,000 | 10,427,000 | 7,403,000 |
| Total capital | 10,713,000 | 10,441,000 | 10,613,000 | 7,596,000 |
| Risk-weighted assets | 38,807,000 | 38,343,000 | 39,739,000 | 42,935,000 |