Call reports 2023
BTC BANK — 2023
What BTC BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,020,674,000 | 1,067,809,000 | 1,119,431,000 | 1,153,145,000 |
| Total loans | 734,431,000 | 781,353,000 | 830,116,000 | 858,946,000 |
| Allowance for loan losses | 7,170,000 | 7,566,000 | 8,097,000 | 8,704,000 |
| Securities available for sale | 207,133,000 | 202,363,000 | 193,990,000 | 197,275,000 |
| Securities held to maturity | 125,000 | 125,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 919,495,000 | 908,097,000 | 892,351,000 | 901,243,000 |
| Interest-bearing deposits | 671,922,000 | 657,557,000 | 660,340,000 | 666,120,000 |
| Noninterest-bearing deposits | 247,573,000 | 250,540,000 | 232,011,000 | 235,123,000 |
| Equity capital | 93,150,000 | 94,145,000 | 93,415,000 | 100,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 11,681,000 | 24,621,000 | 39,182,000 | 54,770,000 |
| Interest expense | 2,021,000 | 4,593,000 | 8,016,000 | 13,460,000 |
| Net interest income | 9,660,000 | 20,028,000 | 31,166,000 | 41,310,000 |
| Noninterest income | 840,000 | 1,978,000 | 2,969,000 | 3,950,000 |
| Noninterest expense | 7,536,000 | 14,288,000 | 22,016,000 | 29,180,000 |
| Provision for loan losses | 300,000 | 703,000 | 1,300,000 | 1,900,000 |
| Pretax income | 2,678,000 | 7,032,000 | 10,852,000 | 14,234,000 |
| Income tax | 434,000 | 1,277,000 | 2,142,000 | 3,194,000 |
| Net income | 2,244,000 | 5,755,000 | 8,710,000 | 11,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,840,000 | 98,471,000 | 101,544,000 | 102,996,000 |