Call reports 2004
BTC BANK — 2004
What BTC BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 143,051,000 | 149,288,000 | 154,640,000 | 154,425,000 |
| Total loans | 107,693,000 | 116,726,000 | 120,721,000 | 120,866,000 |
| Allowance for loan losses | 857,000 | 831,000 | 826,000 | 781,000 |
| Securities available for sale | 26,789,000 | 25,055,000 | 25,067,000 | 25,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,023,000 | 123,086,000 | 123,215,000 | 125,735,000 |
| Interest-bearing deposits | 105,721,000 | 107,425,000 | 107,140,000 | 106,331,000 |
| Noninterest-bearing deposits | 16,302,000 | 15,661,000 | 16,075,000 | 19,404,000 |
| Equity capital | 17,753,000 | 17,933,000 | 18,617,000 | 18,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,917,000 | 3,911,000 | 6,013,000 | 8,138,000 |
| Interest expense | 538,000 | 1,077,000 | 1,648,000 | 2,229,000 |
| Net interest income | 1,379,000 | 2,834,000 | 4,365,000 | 5,909,000 |
| Noninterest income | 178,000 | 343,000 | 501,000 | 496,000 |
| Noninterest expense | 651,000 | 1,355,000 | 2,112,000 | 2,983,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 906,000 | 1,822,000 | 2,754,000 | 3,422,000 |
| Income tax | 332,000 | 669,000 | 1,012,000 | 1,151,000 |
| Net income | 574,000 | 1,153,000 | 1,742,000 | 2,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,910,000 | 16,415,000 | 17,017,000 | 17,126,000 |
| Total capital | 16,767,000 | 17,246,000 | 17,843,000 | 17,907,000 |
| Risk-weighted assets | 104,917,000 | 113,356,000 | 118,441,000 | 117,231,000 |