Call reports 2012
BODCAW BANK — 2012
What BODCAW BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 79,008,000 | 77,871,000 | 76,872,000 | 76,641,000 |
| Total loans | 26,389,000 | 25,787,000 | 25,503,000 | 26,281,000 |
| Allowance for loan losses | 163,000 | 197,000 | 222,000 | 177,000 |
| Securities available for sale | 27,991,000 | 24,065,000 | 25,701,000 | 26,309,000 |
| Securities held to maturity | 18,404,000 | 18,066,000 | 18,286,000 | 17,578,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,809,000 | 70,547,000 | 69,145,000 | 69,051,000 |
| Interest-bearing deposits | 60,125,000 | 59,397,000 | 57,682,000 | 58,335,000 |
| Noninterest-bearing deposits | 9,684,000 | 11,150,000 | 11,463,000 | 10,716,000 |
| Equity capital | 8,738,000 | 6,770,000 | 7,086,000 | 7,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 840,000 | 1,642,000 | 2,414,000 | 3,174,000 |
| Interest expense | 296,000 | 561,000 | 798,000 | 1,010,000 |
| Net interest income | 544,000 | 1,081,000 | 1,616,000 | 2,164,000 |
| Noninterest income | 40,000 | 85,000 | 123,000 | 163,000 |
| Noninterest expense | 378,000 | 726,000 | 1,064,000 | 1,415,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 176,000 | 383,000 | 590,000 | 800,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 31,000 |
| Net income | 161,000 | 353,000 | 545,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,292,000 | 6,234,000 | 6,426,000 | 6,650,000 |
| Total capital | 8,455,000 | 6,431,000 | 6,648,000 | 6,827,000 |
| Risk-weighted assets | 39,239,000 | 40,298,000 | 37,983,000 | 38,408,000 |