Call reports 2009
BTC BANK — 2009
What BTC BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 233,197,000 | 245,277,000 | 256,668,000 | 271,743,000 |
| Total loans | 171,143,000 | 179,739,000 | 184,941,000 | 187,316,000 |
| Allowance for loan losses | 1,295,000 | 1,278,000 | 1,309,000 | 1,508,000 |
| Securities available for sale | 46,543,000 | 49,320,000 | 51,705,000 | 61,584,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,050,000 | 200,907,000 | 214,359,000 | 229,364,000 |
| Interest-bearing deposits | 168,906,000 | 175,855,000 | 188,297,000 | 198,205,000 |
| Noninterest-bearing deposits | 25,144,000 | 25,052,000 | 26,062,000 | 31,159,000 |
| Equity capital | 26,852,000 | 27,525,000 | 28,485,000 | 28,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,383,000 | 6,971,000 | 10,785,000 | 14,658,000 |
| Interest expense | 1,115,000 | 2,268,000 | 3,409,000 | 4,513,000 |
| Net interest income | 2,268,000 | 4,703,000 | 7,376,000 | 10,145,000 |
| Noninterest income | 251,000 | 485,000 | 729,000 | 1,084,000 |
| Noninterest expense | 1,279,000 | 2,456,000 | 4,154,000 | 5,800,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 340,000 |
| Pretax income | 1,240,000 | 2,732,000 | 3,851,000 | 5,089,000 |
| Income tax | 480,000 | 1,064,000 | 1,487,000 | 1,723,000 |
| Net income | 760,000 | 1,668,000 | 2,364,000 | 3,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,126,000 | 25,887,000 | 26,564,000 | 27,120,000 |
| Total capital | 26,421,000 | 27,165,000 | 27,873,000 | 28,628,000 |
| Risk-weighted assets | 200,142,000 | 201,993,000 | 220,064,000 | 191,339,000 |