BTC Bank in Bethany, Missouri (MO), IA
Overview, Financial Summary, Detailed Financial Reports, Branches


BTC Bank - Overview

  • General
  • FDIC Certificate #: 10618
    Status: Active
    Federal Reserve ID: 1009242
    Bank Holding Company (Regulatory Top Holder): Bethany Bankshares, Inc. (RSSDID: 1905009, Location: Bethany, MO)
    Date Established: September 19, 1919
    WWW: http://www.btcbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: Yes)
    FDIC's unique #: 6805
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 12, 2011
    Last Structure Change Process Date: December 12, 2011
    Last Data Update: December 12, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 3606 Miller Street, Bethany, MO 64424
    County: Harrison
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • Financial Summary
  • Total assets: $325.0 mil
    Equity capital: $35.6 mil
    Deposits held in domestic offices: $285.7 mil
    Return on assets (ROA): 1.46% ($4.7 mil)
    Quarterly return on assets: 1.54% ($5.0 mil)
    Return on Equity (ROE): 13.93% ($5.0 mil)
    Quarterly return on equity: 14.14% ($5.1 mil)
    Net income: $4.6 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 2.21% ($7,181.6 mil)
    Quarterly Pretax return on assets: 2.02% ($6,564.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 62Total employees (full-time equivalent)
  • $324,960Total assets
  • $9,003Cash and due from depository institutions
  • $1,960Interest-bearing balances
  • $107,919Securities
  • $1,960Federal funds sold & reverse repurchase agreements
  • $191,751Net loans & leases
  • $2,525Loan loss allowance
  • $0Trading account assets
  • $6,400Bank premises and fixed assets
  • $1,489Other real estate owned
  • $1,064Goodwill and other intangibles
  • $324,960Life insurance assets
  • $5,374All other assets
  • $289,394Total liabilities and capital
  • $285,672Total liabilities
  • $245,668Total deposits
  • $285,672Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $1,722Subordinated debt
  • $35,566All other liabilities
  • $35,566Total equity capital
  • $35,566Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $5,462Surplus
  • $28,904Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,065Income earned, not collected on loans
  • $0Earning assets
  • $3,952Long-term assets (5+ years)
  • $303,590Average Assets, year-to-date
  • $135,967Average Assets, quarterly
  • $316,163Volatile liabilities
  • $323,388Insider loans
  • $211,864FHLB advances
  • $324,727Loans and leases held for sale
  • $85Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $32,261Tier 2 risk-based capital
  • $85Total risk weighted assets
  • $0Total unused commitments
  • $31,017Restructured Loans and leases
  • $2,101Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,664Total interest income
  • $3,511Total interest expense
  • $12,153Net interest income
  • $500Provision for loan and lease losses
  • $1,133Total noninterest income
  • $2Fiduciary activities
  • $673Service charges on deposit accounts
  • $0Trading account gains & fees
  • $458Additional noninterest income
  • $6,009Total noninterest expense
  • $2,965Salaries and employee benefits
  • $966Premises and equipment expense
  • $2,078Additional noninterest expense
  • $6,777Pre-tax net operating income
  • $205Securities gains (losses)
  • $2,381Applicable income taxes
  • $4,601Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,601Net income attributable to bank
  • $0Net charge-offs
  • $4,601Cash dividends
  • $326Sale, conversion, retirement of capital stock, net
  • $1,470Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.25%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 4.07%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 2.01%Noninterest expense to earning assets
  • 1.41%Net operating income to assets
  • 1.46%Return on assets (ROA)
  • 2.21%Pretax return on assets
  • 13.93%Return on equity (ROE)
  • 9.48%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 153.37%Credit loss provision to net charge-offs
  • 22.32%Efficiency ratio
  • 45,228Assets per employee
  • 5.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.95%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 49.85%Noncurrent assets plus other real estate owned to assets
  • 2.02%Noncurrent loans to loans
  • 2.61%Net loans and leases to deposits
  • 67.12%Net loans and leases to core deposits
  • 86.32%Equity capital to assets
  • 10.94%Core capital (leverage) ratio
  • 9.93%Tier 1 risk-based capital ratio
  • 15.23%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $316,163Average earning assets
  • $33,021Average equity
  • $298,282Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $21Managed Assets
  • 1Number of Accounts
  • $21Personal trust and agency accounts
  • $21Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    7521482Lamoni Branch2090 East Main Street, Lamoni, IA 50140July 18, 2011Full Service Brick and Mortar
  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06805Btc Bank3606 Miller Street, Bethany, MO 64424September 19, 1919Full Service Brick and Mortar
    15288Gallatin Branch101 West Jackson Street, Gallatin, MO 64640July 28, 1928Full Service Brick and Mortar
    3359893Albany Branch101 East Us Highway 136, Albany, MO 64402Febuary 05, 2001Full Service Brick and Mortar
    4227848Pattonsburg Branch114 Central Street, Pattonsburg, MO 64670July 16, 1988Full Service Brick and Mortar
    6466127Chillicothe Branch400 West Old Highway 36, Chillicothe, MO 64601March 01, 2007Full Service Brick and Mortar

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