Call reports 2021
BTC BANK — 2021
What BTC BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 703,743,000 | 708,310,000 | 711,292,000 | 907,625,000 |
| Total loans | 469,443,000 | 470,274,000 | 474,174,000 | 567,119,000 |
| Allowance for loan losses | 4,575,000 | 4,811,000 | 4,918,000 | 5,157,000 |
| Securities available for sale | 70,820,000 | 81,135,000 | 87,386,000 | 187,961,000 |
| Securities held to maturity | 170,000 | 170,000 | 170,000 | 170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 594,699,000 | 597,236,000 | 598,720,000 | 791,283,000 |
| Interest-bearing deposits | 447,657,000 | 455,841,000 | 458,465,000 | 598,892,000 |
| Noninterest-bearing deposits | 147,042,000 | 141,395,000 | 140,255,000 | 192,391,000 |
| Equity capital | 88,224,000 | 90,278,000 | 91,597,000 | 97,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,283,000 | 12,490,000 | 18,803,000 | 26,218,000 |
| Interest expense | 992,000 | 1,923,000 | 2,776,000 | 3,668,000 |
| Net interest income | 5,291,000 | 10,567,000 | 16,027,000 | 22,550,000 |
| Noninterest income | 2,306,000 | 4,334,000 | 5,047,000 | 5,949,000 |
| Noninterest expense | 4,346,000 | 8,828,000 | 13,107,000 | 18,453,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 900,000 |
| Pretax income | 3,042,000 | 5,639,000 | 7,314,000 | 9,178,000 |
| Income tax | 590,000 | 1,093,000 | 1,370,000 | 1,655,000 |
| Net income | 2,452,000 | 4,546,000 | 5,944,000 | 7,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,239,000 | 88,338,000 | 89,741,000 | 89,309,000 |