Call reports 2014
BTC BANK — 2014
What BTC BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 361,816,000 | 366,298,000 | 368,080,000 | 373,122,000 |
| Total loans | 229,886,000 | 241,229,000 | 250,312,000 | 252,869,000 |
| Allowance for loan losses | 2,263,000 | 2,156,000 | 2,156,000 | 2,165,000 |
| Securities available for sale | 101,884,000 | 105,550,000 | 98,247,000 | 98,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,258,000 | 314,218,000 | 307,583,000 | 318,052,000 |
| Interest-bearing deposits | 270,758,000 | 268,436,000 | 265,929,000 | 268,502,000 |
| Noninterest-bearing deposits | 47,500,000 | 45,782,000 | 41,654,000 | 49,550,000 |
| Equity capital | 42,523,000 | 43,724,000 | 45,045,000 | 46,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,821,000 | 7,776,000 | 11,847,000 | 15,979,000 |
| Interest expense | 577,000 | 1,158,000 | 1,750,000 | 2,340,000 |
| Net interest income | 3,244,000 | 6,618,000 | 10,097,000 | 13,639,000 |
| Noninterest income | 279,000 | 547,000 | 855,000 | 1,096,000 |
| Noninterest expense | 1,685,000 | 3,320,000 | 5,123,000 | 6,976,000 |
| Provision for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Pretax income | 1,538,000 | 3,540,000 | 5,712,000 | 7,658,000 |
| Income tax | 531,000 | 1,245,000 | 2,024,000 | 2,445,000 |
| Net income | 1,007,000 | 2,295,000 | 3,688,000 | 5,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,785,000 | 42,413,000 | 43,805,000 | 44,671,000 |
| Total capital | 44,048,000 | 44,569,000 | 45,961,000 | 46,836,000 |
| Risk-weighted assets | 249,112,000 | 260,681,000 | 267,521,000 | 272,618,000 |