Call reports 2008
BODCAW BANK — 2008
What BODCAW BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 69,556,000 | 69,305,000 | 70,001,000 | 70,772,000 |
| Total loans | 25,951,000 | 26,006,000 | 25,345,000 | 25,441,000 |
| Allowance for loan losses | 61,000 | 60,000 | 66,000 | 101,000 |
| Securities available for sale | 28,577,000 | 26,360,000 | 26,308,000 | 28,426,000 |
| Securities held to maturity | 10,244,000 | 10,243,000 | 9,897,000 | 9,662,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,854,000 | 62,600,000 | 62,778,000 | 62,953,000 |
| Interest-bearing deposits | 53,290,000 | 54,018,000 | 55,141,000 | 54,731,000 |
| Noninterest-bearing deposits | 8,564,000 | 8,582,000 | 7,637,000 | 8,222,000 |
| Equity capital | 6,933,000 | 6,391,000 | 6,815,000 | 7,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 976,000 | 1,943,000 | 2,916,000 | 3,882,000 |
| Interest expense | 497,000 | 966,000 | 1,421,000 | 1,845,000 |
| Net interest income | 479,000 | 977,000 | 1,495,000 | 2,037,000 |
| Noninterest income | 51,000 | 98,000 | 142,000 | 186,000 |
| Noninterest expense | 294,000 | 579,000 | 881,000 | 1,245,000 |
| Provision for loan losses | 0 | 0 | 6,000 | 45,000 |
| Pretax income | 241,000 | 514,000 | 768,000 | 1,047,000 |
| Income tax | 48,000 | 100,000 | 156,000 | 240,000 |
| Net income | 193,000 | 414,000 | 612,000 | 807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,193,000 | 6,417,000 | 6,612,000 | 6,307,000 |
| Total capital | 6,254,000 | 6,477,000 | 6,678,000 | 6,408,000 |
| Risk-weighted assets | 35,253,000 | 35,393,000 | 35,324,000 | 34,634,000 |