Call reports 2016
BTC BANK — 2016
What BTC BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 411,798,000 | 431,263,000 | 440,680,000 | 444,180,000 |
| Total loans | 296,230,000 | 312,690,000 | 322,679,000 | 328,300,000 |
| Allowance for loan losses | 2,181,000 | 2,509,000 | 2,417,000 | 2,415,000 |
| Securities available for sale | 93,432,000 | 95,105,000 | 94,212,000 | 89,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,825,000 | 336,016,000 | 338,444,000 | 351,259,000 |
| Interest-bearing deposits | 289,684,000 | 283,917,000 | 288,070,000 | 293,593,000 |
| Noninterest-bearing deposits | 55,141,000 | 52,098,000 | 50,373,000 | 57,665,000 |
| Equity capital | 52,819,000 | 54,594,000 | 55,918,000 | 56,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,320,000 | 8,978,000 | 13,818,000 | 18,724,000 |
| Interest expense | 567,000 | 1,172,000 | 1,800,000 | 2,433,000 |
| Net interest income | 3,753,000 | 7,806,000 | 12,018,000 | 16,291,000 |
| Noninterest income | 334,000 | 674,000 | 1,014,000 | 1,382,000 |
| Noninterest expense | 2,154,000 | 4,286,000 | 6,435,000 | 8,671,000 |
| Provision for loan losses | 75,000 | 425,000 | 775,000 | 825,000 |
| Pretax income | 1,858,000 | 3,769,000 | 5,822,000 | 8,177,000 |
| Income tax | 461,000 | 1,048,000 | 1,691,000 | 2,188,000 |
| Net income | 1,397,000 | 2,721,000 | 4,131,000 | 5,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,093,000 | 52,425,000 | 53,830,000 | 55,683,000 |
| Total capital | 53,274,000 | 54,934,000 | 56,247,000 | 58,098,000 |
| Risk-weighted assets | 323,717,000 | 328,297,000 | 340,867,000 | 346,752,000 |