Call reports 2015
BTC BANK — 2015
What BTC BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 375,070,000 | 373,837,000 | 380,628,000 | 391,725,000 |
| Total loans | 244,024,000 | 249,566,000 | 257,294,000 | 272,219,000 |
| Allowance for loan losses | 2,222,000 | 2,110,000 | 2,131,000 | 2,107,000 |
| Securities available for sale | 100,647,000 | 96,898,000 | 99,423,000 | 94,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,720,000 | 324,272,000 | 321,886,000 | 330,362,000 |
| Interest-bearing deposits | 272,822,000 | 274,443,000 | 271,788,000 | 275,798,000 |
| Noninterest-bearing deposits | 52,899,000 | 49,829,000 | 50,098,000 | 54,564,000 |
| Equity capital | 47,936,000 | 48,392,000 | 49,976,000 | 51,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,963,000 | 7,964,000 | 12,060,000 | 16,232,000 |
| Interest expense | 574,000 | 1,147,000 | 1,709,000 | 2,267,000 |
| Net interest income | 3,389,000 | 6,817,000 | 10,351,000 | 13,965,000 |
| Noninterest income | 271,000 | 582,000 | 885,000 | 1,311,000 |
| Noninterest expense | 1,807,000 | 3,642,000 | 5,661,000 | 7,792,000 |
| Provision for loan losses | 75,000 | 75,000 | 225,000 | 225,000 |
| Pretax income | 1,778,000 | 3,682,000 | 5,350,000 | 7,462,000 |
| Income tax | 617,000 | 1,282,000 | 1,848,000 | 2,352,000 |
| Net income | 1,161,000 | 2,400,000 | 3,502,000 | 5,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,802,000 | 46,838,000 | 48,142,000 | 49,562,000 |
| Total capital | 48,024,000 | 48,948,000 | 50,273,000 | 51,669,000 |
| Risk-weighted assets | 259,967,000 | 268,562,000 | 273,468,000 | 288,057,000 |