Call reports 2003
BTC BANK — 2003
What BTC BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 136,947,000 | 139,156,000 | 140,295,000 | 139,877,000 |
| Total loans | 104,908,000 | 109,548,000 | 110,845,000 | 109,394,000 |
| Allowance for loan losses | 906,000 | 876,000 | 869,000 | 859,000 |
| Securities available for sale | 21,271,000 | 21,785,000 | 21,789,000 | 22,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,438,000 | 116,612,000 | 113,548,000 | 117,206,000 |
| Interest-bearing deposits | 103,868,000 | 102,677,000 | 100,528,000 | 101,859,000 |
| Noninterest-bearing deposits | 13,570,000 | 13,935,000 | 13,020,000 | 15,347,000 |
| Equity capital | 16,053,000 | 16,567,000 | 17,103,000 | 17,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,926,000 | 3,966,000 | 6,040,000 | 8,043,000 |
| Interest expense | 663,000 | 1,276,000 | 1,861,000 | 2,422,000 |
| Net interest income | 1,263,000 | 2,690,000 | 4,179,000 | 5,621,000 |
| Noninterest income | 130,000 | 272,000 | 421,000 | 584,000 |
| Noninterest expense | 643,000 | 1,264,000 | 1,916,000 | 2,552,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 750,000 | 1,698,000 | 2,684,000 | 3,653,000 |
| Income tax | 261,000 | 610,000 | 975,000 | 1,251,000 |
| Net income | 489,000 | 1,088,000 | 1,709,000 | 2,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,270,000 | 14,693,000 | 15,326,000 | 15,640,000 |
| Total capital | 15,176,000 | 15,569,000 | 16,195,000 | 16,499,000 |
| Risk-weighted assets | 102,723,000 | 106,595,000 | 108,312,000 | 106,262,000 |