Call reports 2009
BODCAW BANK — 2009
What BODCAW BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 72,110,000 | 71,338,000 | 72,629,000 | 72,176,000 |
| Total loans | 24,943,000 | 25,465,000 | 25,866,000 | 27,001,000 |
| Allowance for loan losses | 102,000 | 92,000 | 72,000 | 141,000 |
| Securities available for sale | 25,887,000 | 24,328,000 | 25,586,000 | 22,769,000 |
| Securities held to maturity | 9,493,000 | 10,247,000 | 10,338,000 | 13,434,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,354,000 | 63,765,000 | 64,558,000 | 64,469,000 |
| Interest-bearing deposits | 56,615,000 | 56,245,000 | 56,775,000 | 57,674,000 |
| Noninterest-bearing deposits | 7,739,000 | 7,520,000 | 7,783,000 | 6,795,000 |
| Equity capital | 7,121,000 | 7,050,000 | 7,408,000 | 7,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 946,000 | 1,844,000 | 2,749,000 | 3,662,000 |
| Interest expense | 402,000 | 802,000 | 1,200,000 | 1,577,000 |
| Net interest income | 544,000 | 1,042,000 | 1,549,000 | 2,085,000 |
| Noninterest income | 85,000 | 128,000 | 169,000 | 232,000 |
| Noninterest expense | 349,000 | 672,000 | 1,070,000 | 1,414,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 82,000 |
| Pretax income | 281,000 | 496,000 | 643,000 | 1,044,000 |
| Income tax | 60,000 | 110,000 | 110,000 | 190,000 |
| Net income | 221,000 | 386,000 | 533,000 | 854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,528,000 | 6,693,000 | 6,840,000 | 7,160,000 |
| Total capital | 6,630,000 | 6,785,000 | 6,912,000 | 7,301,000 |
| Risk-weighted assets | 35,357,000 | 35,979,000 | 36,542,000 | 37,320,000 |