Call reports 2018
BTC BANK — 2018
What BTC BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 456,351,000 | 466,969,000 | 480,844,000 | 499,948,000 |
| Total loans | 348,927,000 | 360,550,000 | 371,439,000 | 383,435,000 |
| Allowance for loan losses | 2,745,000 | 2,853,000 | 2,926,000 | 3,040,000 |
| Securities available for sale | 77,994,000 | 76,923,000 | 75,401,000 | 74,777,000 |
| Securities held to maturity | 0 | 0 | 235,000 | 235,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,799,000 | 376,322,000 | 371,458,000 | 388,606,000 |
| Interest-bearing deposits | 308,802,000 | 314,531,000 | 306,689,000 | 314,933,000 |
| Noninterest-bearing deposits | 68,996,000 | 61,791,000 | 64,769,000 | 73,673,000 |
| Equity capital | 64,205,000 | 65,731,000 | 67,149,000 | 68,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,095,000 | 10,352,000 | 15,828,000 | 21,498,000 |
| Interest expense | 835,000 | 1,736,000 | 2,776,000 | 3,976,000 |
| Net interest income | 4,260,000 | 8,616,000 | 13,052,000 | 17,522,000 |
| Noninterest income | 381,000 | 703,000 | 1,089,000 | 1,535,000 |
| Noninterest expense | 2,592,000 | 5,288,000 | 8,155,000 | 11,178,000 |
| Provision for loan losses | 150,000 | 270,000 | 419,000 | 570,000 |
| Pretax income | 1,899,000 | 3,761,000 | 5,567,000 | 7,309,000 |
| Income tax | 317,000 | 593,000 | 697,000 | 1,187,000 |
| Net income | 1,582,000 | 3,168,000 | 4,870,000 | 6,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,015,000 | 65,601,000 | 67,327,000 | 68,555,000 |
| Total capital | 66,760,000 | 68,475,000 | 70,271,000 | 71,610,000 |
| Risk-weighted assets | 374,970,000 | 411,395,000 | 407,828,000 | 431,787,000 |