Call reports 2010
BTC BANK — 2010
What BTC BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 291,451,000 | 287,595,000 | 290,906,000 | 304,642,000 |
| Total loans | 190,517,000 | 194,333,000 | 203,212,000 | 193,473,000 |
| Allowance for loan losses | 1,322,000 | 1,397,000 | 2,127,000 | 2,351,000 |
| Securities available for sale | 58,681,000 | 59,569,000 | 58,462,000 | 80,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,866,000 | 246,315,000 | 253,618,000 | 268,807,000 |
| Interest-bearing deposits | 217,512,000 | 218,079,000 | 225,489,000 | 210,414,000 |
| Noninterest-bearing deposits | 30,354,000 | 28,236,000 | 28,129,000 | 58,393,000 |
| Equity capital | 29,781,000 | 30,913,000 | 31,649,000 | 30,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,711,000 | 7,259,000 | 11,158,000 | 15,068,000 |
| Interest expense | 1,054,000 | 2,082,000 | 3,226,000 | 4,113,000 |
| Net interest income | 2,657,000 | 5,177,000 | 7,932,000 | 10,955,000 |
| Noninterest income | 263,000 | 578,000 | 860,000 | 1,185,000 |
| Noninterest expense | 1,365,000 | 2,623,000 | 4,030,000 | 5,560,000 |
| Provision for loan losses | 0 | 300,000 | 1,000,000 | 1,250,000 |
| Pretax income | 1,555,000 | 2,832,000 | 3,762,000 | 5,330,000 |
| Income tax | 597,000 | 1,093,000 | 1,441,000 | 1,989,000 |
| Net income | 958,000 | 1,739,000 | 2,321,000 | 3,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,016,000 | 28,810,000 | 29,405,000 | 29,130,000 |
| Total capital | 29,338,000 | 30,207,000 | 31,532,000 | 31,481,000 |
| Risk-weighted assets | 223,772,000 | 202,198,000 | 211,848,000 | 204,685,000 |