Call reports 2007
BTC BANK — 2007
What BTC BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 175,833,000 | 184,991,000 | 192,919,000 | 190,964,000 |
| Total loans | 137,947,000 | 145,118,000 | 151,510,000 | 148,114,000 |
| Allowance for loan losses | 815,000 | 951,000 | 946,000 | 948,000 |
| Securities available for sale | 25,590,000 | 26,418,000 | 26,995,000 | 27,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,497,000 | 147,093,000 | 146,033,000 | 159,386,000 |
| Interest-bearing deposits | 129,330,000 | 126,554,000 | 125,675,000 | 136,756,000 |
| Noninterest-bearing deposits | 19,167,000 | 20,539,000 | 20,357,000 | 22,630,000 |
| Equity capital | 22,333,000 | 22,710,000 | 23,058,000 | 23,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,851,000 | 5,954,000 | 9,276,000 | 12,624,000 |
| Interest expense | 1,122,000 | 2,396,000 | 3,890,000 | 5,352,000 |
| Net interest income | 1,729,000 | 3,558,000 | 5,386,000 | 7,272,000 |
| Noninterest income | 195,000 | 409,000 | 650,000 | 919,000 |
| Noninterest expense | 1,049,000 | 2,141,000 | 3,304,000 | 4,521,000 |
| Provision for loan losses | 0 | 150,000 | 150,000 | 150,000 |
| Pretax income | 862,000 | 1,671,000 | 2,577,000 | 3,516,000 |
| Income tax | 327,000 | 633,000 | 970,000 | 1,170,000 |
| Net income | 535,000 | 1,038,000 | 1,607,000 | 2,346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,020,000 | 21,535,000 | 21,685,000 | 22,024,000 |
| Total capital | 21,835,000 | 22,486,000 | 22,631,000 | 22,972,000 |
| Risk-weighted assets | 143,611,000 | 143,263,000 | 157,588,000 | 152,476,000 |