Call reports 2006
BODCAW BANK — 2006
What BODCAW BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 68,761,000 | 67,582,000 | 68,133,000 | 69,112,000 |
| Total loans | 22,188,000 | 22,317,000 | 23,127,000 | 23,443,000 |
| Allowance for loan losses | 111,000 | 117,000 | 111,000 | 91,000 |
| Securities available for sale | 34,249,000 | 33,259,000 | 32,581,000 | 32,951,000 |
| Securities held to maturity | 9,691,000 | 8,890,000 | 8,669,000 | 8,668,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,671,000 | 57,695,000 | 57,686,000 | 58,098,000 |
| Interest-bearing deposits | 50,388,000 | 49,955,000 | 50,321,000 | 50,440,000 |
| Noninterest-bearing deposits | 8,283,000 | 7,740,000 | 7,365,000 | 7,658,000 |
| Equity capital | 9,561,000 | 8,909,000 | 9,742,000 | 10,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 841,000 | 1,643,000 | 2,536,000 | 3,413,000 |
| Interest expense | 372,000 | 759,000 | 1,173,000 | 1,613,000 |
| Net interest income | 469,000 | 884,000 | 1,363,000 | 1,800,000 |
| Noninterest income | 54,000 | 105,000 | 292,000 | 557,000 |
| Noninterest expense | 263,000 | 500,000 | 763,000 | 1,049,000 |
| Provision for loan losses | 2,000 | 8,000 | 12,000 | 12,000 |
| Pretax income | 258,000 | 481,000 | 880,000 | 1,286,000 |
| Income tax | 48,000 | 96,000 | 194,000 | 276,000 |
| Net income | 210,000 | 385,000 | 686,000 | 1,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,139,000 | 8,813,000 | 9,115,000 | 9,439,000 |
| Total capital | 9,250,000 | 8,930,000 | 9,226,000 | 9,530,000 |
| Risk-weighted assets | 36,331,000 | 36,569,000 | 33,845,000 | 34,374,000 |