Call reports 2012
BTC BANK — 2012
What BTC BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 340,468,000 | 336,970,000 | 343,034,000 | 353,634,000 |
| Total loans | 193,302,000 | 201,638,000 | 208,935,000 | 209,839,000 |
| Allowance for loan losses | 2,528,000 | 1,675,000 | 1,723,000 | 1,571,000 |
| Securities available for sale | 119,028,000 | 117,177,000 | 113,074,000 | 114,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,611,000 | 294,316,000 | 292,755,000 | 311,741,000 |
| Interest-bearing deposits | 257,549,000 | 254,312,000 | 253,095,000 | 260,490,000 |
| Noninterest-bearing deposits | 42,062,000 | 40,004,000 | 39,660,000 | 51,251,000 |
| Equity capital | 36,652,000 | 38,270,000 | 39,735,000 | 40,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,869,000 | 7,725,000 | 11,741,000 | 15,664,000 |
| Interest expense | 672,000 | 1,385,000 | 2,082,000 | 2,751,000 |
| Net interest income | 3,197,000 | 6,340,000 | 9,659,000 | 12,913,000 |
| Noninterest income | 250,000 | 661,000 | 1,105,000 | 1,382,000 |
| Noninterest expense | 1,529,000 | 3,143,000 | 4,676,000 | 6,278,000 |
| Provision for loan losses | 0 | 0 | 400,000 | 400,000 |
| Pretax income | 1,918,000 | 3,872,000 | 5,752,000 | 7,681,000 |
| Income tax | 706,000 | 1,417,000 | 2,092,000 | 2,679,000 |
| Net income | 1,212,000 | 2,455,000 | 3,660,000 | 5,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,473,000 | 34,716,000 | 35,921,000 | 36,628,000 |
| Total capital | 36,001,000 | 36,391,000 | 37,644,000 | 38,199,000 |
| Risk-weighted assets | 210,764,000 | 218,618,000 | 230,642,000 | 234,276,000 |