Call reports 2005
BTC BANK — 2005
What BTC BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 154,686,000 | 159,293,000 | 163,342,000 | 158,670,000 |
| Total loans | 123,155,000 | 126,497,000 | 129,296,000 | 123,842,000 |
| Allowance for loan losses | 782,000 | 822,000 | 802,000 | 882,000 |
| Securities available for sale | 23,957,000 | 23,807,000 | 23,428,000 | 23,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,102,000 | 127,638,000 | 125,112,000 | 125,833,000 |
| Interest-bearing deposits | 111,573,000 | 111,567,000 | 107,738,000 | 106,235,000 |
| Noninterest-bearing deposits | 16,529,000 | 16,071,000 | 17,374,000 | 19,598,000 |
| Equity capital | 19,079,000 | 19,708,000 | 20,225,000 | 20,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,109,000 | 4,328,000 | 6,629,000 | 9,004,000 |
| Interest expense | 629,000 | 1,318,000 | 2,100,000 | 2,915,000 |
| Net interest income | 1,480,000 | 3,010,000 | 4,529,000 | 6,089,000 |
| Noninterest income | 265,000 | 453,000 | 649,000 | 862,000 |
| Noninterest expense | 712,000 | 1,474,000 | 2,254,000 | 3,337,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 250,000 |
| Pretax income | 1,033,000 | 1,889,000 | 2,824,000 | 3,364,000 |
| Income tax | 382,000 | 697,000 | 1,046,000 | 1,077,000 |
| Net income | 651,000 | 1,192,000 | 1,778,000 | 2,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,742,000 | 18,294,000 | 18,892,000 | 19,010,000 |
| Total capital | 18,524,000 | 19,116,000 | 19,694,000 | 19,892,000 |
| Risk-weighted assets | 118,339,000 | 122,122,000 | 124,585,000 | 120,143,000 |