Call reports 2020
BTC BANK — 2020
What BTC BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 575,481,000 | 603,020,000 | 622,750,000 | 657,572,000 |
| Total loans | 445,417,000 | 477,968,000 | 478,352,000 | 472,338,000 |
| Allowance for loan losses | 3,775,000 | 3,993,000 | 4,213,000 | 4,345,000 |
| Securities available for sale | 68,178,000 | 64,990,000 | 66,225,000 | 72,539,000 |
| Securities held to maturity | 190,000 | 190,000 | 190,000 | 190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 473,102,000 | 497,439,000 | 515,196,000 | 550,346,000 |
| Interest-bearing deposits | 374,624,000 | 384,079,000 | 402,003,000 | 423,274,000 |
| Noninterest-bearing deposits | 98,478,000 | 113,360,000 | 113,193,000 | 127,072,000 |
| Equity capital | 79,574,000 | 82,550,000 | 84,291,000 | 86,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,802,000 | 13,567,000 | 20,366,000 | 27,004,000 |
| Interest expense | 1,386,000 | 2,571,000 | 3,695,000 | 4,768,000 |
| Net interest income | 5,416,000 | 10,996,000 | 16,671,000 | 22,236,000 |
| Noninterest income | 478,000 | 1,533,000 | 2,150,000 | 2,738,000 |
| Noninterest expense | 3,889,000 | 7,436,000 | 11,493,000 | 15,313,000 |
| Provision for loan losses | 225,000 | 600,000 | 825,000 | 1,050,000 |
| Pretax income | 1,764,000 | 4,484,000 | 6,493,000 | 8,608,000 |
| Income tax | 315,000 | 834,000 | 1,204,000 | 1,444,000 |
| Net income | 1,449,000 | 3,650,000 | 5,289,000 | 7,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,052,000 | 80,258,000 | 81,902,000 | 83,782,000 |