Call reports 2008
BTC BANK — 2008
What BTC BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 200,079,000 | 205,872,000 | 221,863,000 | 224,238,000 |
| Total loans | 150,887,000 | 162,606,000 | 167,386,000 | 168,973,000 |
| Allowance for loan losses | 1,044,000 | 972,000 | 1,367,000 | 1,305,000 |
| Securities available for sale | 27,547,000 | 29,017,000 | 39,611,000 | 40,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,673,000 | 170,966,000 | 177,100,000 | 177,329,000 |
| Interest-bearing deposits | 143,344,000 | 148,579,000 | 154,316,000 | 149,687,000 |
| Noninterest-bearing deposits | 24,329,000 | 22,387,000 | 22,784,000 | 27,642,000 |
| Equity capital | 24,494,000 | 24,852,000 | 25,463,000 | 26,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,287,000 | 6,604,000 | 10,054,000 | 13,542,000 |
| Interest expense | 1,332,000 | 2,537,000 | 3,830,000 | 5,101,000 |
| Net interest income | 1,955,000 | 4,067,000 | 6,224,000 | 8,441,000 |
| Noninterest income | 249,000 | 519,000 | 765,000 | 1,116,000 |
| Noninterest expense | 1,114,000 | 2,282,000 | 3,455,000 | 4,921,000 |
| Provision for loan losses | 100,000 | 100,000 | 500,000 | 500,000 |
| Pretax income | 990,000 | 2,204,000 | 3,034,000 | 4,136,000 |
| Income tax | 377,000 | 845,000 | 1,159,000 | 1,433,000 |
| Net income | 613,000 | 1,359,000 | 1,875,000 | 2,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,650,000 | 23,408,000 | 23,935,000 | 24,355,000 |
| Total capital | 23,694,000 | 24,380,000 | 25,302,000 | 25,660,000 |
| Risk-weighted assets | 154,733,000 | 172,032,000 | 189,699,000 | 190,376,000 |