Call reports 2016
BODCAW BANK — 2016
What BODCAW BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 76,298,000 | 79,764,000 | 78,773,000 | 76,853,000 |
| Total loans | 24,133,000 | 23,476,000 | 22,453,000 | 21,616,000 |
| Allowance for loan losses | 294,000 | 271,000 | 131,000 | 158,000 |
| Securities available for sale | 31,992,000 | 30,376,000 | 32,413,000 | 29,592,000 |
| Securities held to maturity | 12,150,000 | 12,668,000 | 15,140,000 | 16,082,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,908,000 | 70,000,000 | 68,665,000 | 67,978,000 |
| Interest-bearing deposits | 54,928,000 | 54,901,000 | 55,228,000 | 54,948,000 |
| Noninterest-bearing deposits | 11,980,000 | 15,099,000 | 13,437,000 | 13,030,000 |
| Equity capital | 9,076,000 | 9,374,000 | 9,634,000 | 8,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 670,000 | 1,319,000 | 1,961,000 | 2,602,000 |
| Interest expense | 156,000 | 313,000 | 461,000 | 609,000 |
| Net interest income | 514,000 | 1,006,000 | 1,500,000 | 1,993,000 |
| Noninterest income | 37,000 | 71,000 | 108,000 | 143,000 |
| Noninterest expense | 354,000 | 705,000 | 1,057,000 | 1,407,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 40,000 |
| Pretax income | 238,000 | 415,000 | 590,000 | 743,000 |
| Income tax | 32,000 | 63,000 | 95,000 | 156,000 |
| Net income | 206,000 | 352,000 | 495,000 | 587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,801,000 | 8,948,000 | 9,089,000 | 9,180,000 |
| Total capital | 9,095,000 | 9,219,000 | 9,220,000 | 9,338,000 |
| Risk-weighted assets | 30,966,000 | 34,899,000 | 31,126,000 | 29,788,000 |