Call reports 2005
BODCAW BANK — 2005
What BODCAW BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 73,984,000 | 74,212,000 | 72,347,000 | 71,407,000 |
| Total loans | 21,209,000 | 21,172,000 | 22,026,000 | 22,287,000 |
| Allowance for loan losses | 155,000 | 129,000 | 127,000 | 109,000 |
| Securities available for sale | 35,973,000 | 35,879,000 | 34,705,000 | 34,771,000 |
| Securities held to maturity | 10,580,000 | 10,434,000 | 10,272,000 | 10,016,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,638,000 | 64,066,000 | 62,312,000 | 61,395,000 |
| Interest-bearing deposits | 57,944,000 | 56,273,000 | 55,583,000 | 54,900,000 |
| Noninterest-bearing deposits | 6,694,000 | 7,793,000 | 6,729,000 | 6,495,000 |
| Equity capital | 8,774,000 | 9,367,000 | 9,352,000 | 9,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 824,000 | 1,662,000 | 2,516,000 | 3,382,000 |
| Interest expense | 358,000 | 728,000 | 1,101,000 | 1,481,000 |
| Net interest income | 466,000 | 934,000 | 1,415,000 | 1,901,000 |
| Noninterest income | 74,000 | 123,000 | 176,000 | 225,000 |
| Noninterest expense | 259,000 | 528,000 | 784,000 | 1,088,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 217,000 | 465,000 | 743,000 | 974,000 |
| Income tax | 48,000 | 96,000 | 144,000 | 178,000 |
| Net income | 169,000 | 369,000 | 599,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,302,000 | 8,502,000 | 8,732,000 | 8,929,000 |
| Total capital | 8,457,000 | 8,631,000 | 8,859,000 | 9,038,000 |
| Risk-weighted assets | 35,355,000 | 36,100,000 | 36,628,000 | 36,951,000 |