Call reports 2019
BTC BANK — 2019
What BTC BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 498,848,000 | 539,054,000 | 554,810,000 | 563,361,000 |
| Total loans | 394,223,000 | 423,598,000 | 437,019,000 | 440,463,000 |
| Allowance for loan losses | 3,177,000 | 3,325,000 | 3,463,000 | 3,563,000 |
| Securities available for sale | 70,497,000 | 75,995,000 | 73,894,000 | 71,244,000 |
| Securities held to maturity | 210,000 | 210,000 | 210,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,192,000 | 419,780,000 | 439,262,000 | 462,393,000 |
| Interest-bearing deposits | 322,441,000 | 347,576,000 | 358,792,000 | 371,528,000 |
| Noninterest-bearing deposits | 72,751,000 | 72,204,000 | 80,470,000 | 90,865,000 |
| Equity capital | 71,000,000 | 74,195,000 | 76,419,000 | 78,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,752,000 | 12,010,000 | 18,689,000 | 25,464,000 |
| Interest expense | 1,248,000 | 2,653,000 | 4,164,000 | 5,580,000 |
| Net interest income | 4,504,000 | 9,357,000 | 14,525,000 | 19,884,000 |
| Noninterest income | 398,000 | 827,000 | 1,699,000 | 2,181,000 |
| Noninterest expense | 2,909,000 | 6,145,000 | 9,428,000 | 12,852,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 625,000 |
| Pretax income | 1,843,000 | 3,739,000 | 6,346,000 | 8,602,000 |
| Income tax | 375,000 | 713,000 | 1,201,000 | 1,626,000 |
| Net income | 1,468,000 | 3,026,000 | 5,145,000 | 6,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,022,000 | 72,617,000 | 74,743,000 | 76,597,000 |
| Total capital | 73,217,000 | 75,960,000 | 78,206,000 | 80,160,000 |
| Risk-weighted assets | 428,754,000 | 470,784,000 | 479,784,000 | 483,124,000 |