Call reports 2006
BTC BANK — 2006
What BTC BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 160,464,000 | 166,687,000 | 167,784,000 | 166,988,000 |
| Total loans | 126,607,000 | 131,719,000 | 131,291,000 | 127,759,000 |
| Allowance for loan losses | 884,000 | 913,000 | 930,000 | 899,000 |
| Securities available for sale | 23,865,000 | 23,655,000 | 23,867,000 | 25,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,075,000 | 126,566,000 | 126,883,000 | 136,856,000 |
| Interest-bearing deposits | 106,934,000 | 110,104,000 | 110,419,000 | 115,833,000 |
| Noninterest-bearing deposits | 17,141,000 | 16,462,000 | 16,464,000 | 21,023,000 |
| Equity capital | 20,829,000 | 21,068,000 | 21,748,000 | 22,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,342,000 | 4,919,000 | 7,646,000 | 10,409,000 |
| Interest expense | 838,000 | 1,821,000 | 2,896,000 | 4,006,000 |
| Net interest income | 1,504,000 | 3,098,000 | 4,750,000 | 6,403,000 |
| Noninterest income | 200,000 | 394,000 | 591,000 | 797,000 |
| Noninterest expense | 819,000 | 1,703,000 | 2,530,000 | 3,469,000 |
| Provision for loan losses | 0 | 100,000 | 300,000 | 300,000 |
| Pretax income | 885,000 | 1,689,000 | 2,511,000 | 3,431,000 |
| Income tax | 331,000 | 628,000 | 935,000 | 1,183,000 |
| Net income | 554,000 | 1,061,000 | 1,576,000 | 2,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,577,000 | 19,895,000 | 20,421,000 | 20,699,000 |
| Total capital | 20,461,000 | 20,808,000 | 21,351,000 | 21,598,000 |
| Risk-weighted assets | 122,107,000 | 126,104,000 | 127,215,000 | 125,066,000 |