Call reports 2013
BTC BANK — 2013
What BTC BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 350,534,000 | 347,972,000 | 357,025,000 | 353,235,000 |
| Total loans | 206,023,000 | 213,745,000 | 224,794,000 | 232,291,000 |
| Allowance for loan losses | 1,564,000 | 1,742,000 | 2,310,000 | 1,961,000 |
| Securities available for sale | 117,418,000 | 116,600,000 | 113,660,000 | 100,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,152,000 | 306,623,000 | 302,605,000 | 308,081,000 |
| Interest-bearing deposits | 264,462,000 | 266,475,000 | 261,519,000 | 263,319,000 |
| Noninterest-bearing deposits | 43,690,000 | 40,148,000 | 41,085,000 | 44,763,000 |
| Equity capital | 40,465,000 | 39,327,000 | 40,724,000 | 40,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,750,000 | 7,607,000 | 11,482,000 | 15,489,000 |
| Interest expense | 638,000 | 1,255,000 | 1,865,000 | 2,464,000 |
| Net interest income | 3,112,000 | 6,352,000 | 9,617,000 | 13,025,000 |
| Noninterest income | 279,000 | 572,000 | 903,000 | 1,233,000 |
| Noninterest expense | 1,633,000 | 3,150,000 | 4,766,000 | 6,496,000 |
| Provision for loan losses | 0 | 200,000 | 720,000 | 1,470,000 |
| Pretax income | 1,758,000 | 3,574,000 | 5,034,000 | 6,610,000 |
| Income tax | 618,000 | 1,256,000 | 1,750,000 | 1,642,000 |
| Net income | 1,140,000 | 2,318,000 | 3,284,000 | 4,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,468,000 | 38,645,000 | 39,611,000 | 40,747,000 |
| Total capital | 39,032,000 | 40,387,000 | 41,921,000 | 42,708,000 |
| Risk-weighted assets | 231,052,000 | 238,720,000 | 248,774,000 | 255,947,000 |