Call reports 2004
BODCAW BANK — 2004
What BODCAW BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 72,214,000 | 73,516,000 | 73,332,000 | 72,827,000 |
| Total loans | 20,049,000 | 20,374,000 | 20,857,000 | 21,616,000 |
| Allowance for loan losses | 190,000 | 186,000 | 184,000 | 181,000 |
| Securities available for sale | 38,099,000 | 39,051,000 | 39,445,000 | 37,786,000 |
| Securities held to maturity | 7,705,000 | 7,930,000 | 7,929,000 | 9,042,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,679,000 | 64,867,000 | 63,368,000 | 62,732,000 |
| Interest-bearing deposits | 55,283,000 | 56,668,000 | 57,203,000 | 56,522,000 |
| Noninterest-bearing deposits | 7,396,000 | 8,199,000 | 6,165,000 | 6,210,000 |
| Equity capital | 8,715,000 | 8,174,000 | 9,101,000 | 9,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 810,000 | 1,610,000 | 2,455,000 | 3,283,000 |
| Interest expense | 339,000 | 685,000 | 1,041,000 | 1,395,000 |
| Net interest income | 471,000 | 925,000 | 1,414,000 | 1,888,000 |
| Noninterest income | 48,000 | 106,000 | 152,000 | 201,000 |
| Noninterest expense | 245,000 | 519,000 | 791,000 | 1,116,000 |
| Provision for loan losses | 9,000 | 9,000 | 9,000 | 94,000 |
| Pretax income | 308,000 | 537,000 | 802,000 | 915,000 |
| Income tax | 64,000 | 96,000 | 150,000 | 185,000 |
| Net income | 244,000 | 441,000 | 652,000 | 730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,646,000 | 7,844,000 | 8,055,000 | 8,133,000 |
| Total capital | 7,836,000 | 8,030,000 | 8,239,000 | 8,314,000 |
| Risk-weighted assets | 40,121,000 | 39,099,000 | 39,308,000 | 39,471,000 |