Call reports 2025
BTC BANK — 2025
What BTC BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,394,240,000 | 1,409,808,000 | 1,476,143,000 | 1,559,375,000 |
| Total loans | 1,104,817,000 | 1,126,879,000 | 1,196,998,000 | 1,252,807,000 |
| Allowance for loan losses | 10,952,000 | 11,549,000 | 12,384,000 | 13,144,000 |
| Securities available for sale | 172,394,000 | 169,324,000 | 169,668,000 | 165,190,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,017,872,000 | 1,056,628,000 | 1,086,418,000 | 1,157,921,000 |
| Interest-bearing deposits | 759,047,000 | 796,958,000 | 827,636,000 | 880,703,000 |
| Noninterest-bearing deposits | 258,825,000 | 259,670,000 | 258,782,000 | 277,218,000 |
| Equity capital | 122,289,000 | 157,891,000 | 164,807,000 | 168,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 21,185,000 | 43,171,000 | 66,282,000 | 90,812,000 |
| Interest expense | 7,346,000 | 14,747,000 | 22,399,000 | 30,551,000 |
| Net interest income | 13,839,000 | 28,424,000 | 43,883,000 | 60,261,000 |
| Noninterest income | 1,118,000 | 2,297,000 | 3,547,000 | 4,772,000 |
| Noninterest expense | 9,041,000 | 18,130,000 | 27,970,000 | 38,344,000 |
| Provision for loan losses | 568,000 | 1,167,000 | 2,000,000 | 2,900,000 |
| Pretax income | 5,311,000 | 11,392,000 | 17,443,000 | 23,778,000 |
| Income tax | 1,023,000 | 2,205,000 | 3,384,000 | 4,622,000 |
| Net income | 4,288,000 | 9,187,000 | 14,059,000 | 19,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 124,041,000 | 159,058,000 | 163,783,000 | 166,784,000 |