Btc Bank Mortgage Rates, Fees & Info

Bethany, MO

LEI: 549300YXOCZOXWKDIT11

Tax ID: 44-0170910

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Btc Bank is a smaller bank specializing in various types of mortgages.



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    Originations

    0

    Origination Dollar Volume (All Markets)

    $0

    Employee count

    99

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    BTC Bank 400 Main Street Boonville, MO 65233 Full Service B&M $12,072
    BTC Bank 3606 Miller Street Bethany, MO 64424 Full Service B&M $151,875
    BTC Bank 101 East Us Highway 136 Albany, MO 64402 Full Service B&M $39,898
    BTC Bank 101 West Jackson Street Gallatin, MO 64640 Full Service B&M $47,896
    BTC Bank 114 Central Street Pattonsburg, MO 64670 Full Service B&M $16,118
    BTC Bank 1201-2 North Highway 65 Carrollton, MO 64633 Full Service B&M $19,950
    BTC Bank 2090 East Main Street Lamoni, IA 50140 Full Service B&M $20,848
    BTC Bank 31101 Hwy Hh Smithton, MO 65350 Full Service B&M $4,485
    BTC Bank 400 West Old Highway 36 Chillicothe, MO 64601 Full Service B&M $63,178

    For 2018, Btc Bank had 9 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $21,498
    Net interest income $17,522
    Total noninterest income $1,535
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $635
    Trading account gains and fees $0
    Additional Noninterest Income $900
    Pre-tax net operating income $7,309
    Securities gains (or losses, -) $0
    Income before extraordinary items $6,122
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $6,122
    Minority interest net income $0
    Net income $6,122
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $6,122

    Btc Bank's gross interest income from loans was $21,498,000.
    Btc Bank's net interest income from loans was $17,522,000.
    Btc Bank's fee based income from loans was $635,000.
    Btc Bank's net income from loans was $6,122,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,976
    Provision for credit losses $570
    Total noninterest expense $11,178
    Salaries and employee benefits $6,487
    Premises and equipment expense $1,875
    Additional noninterest expense $2,816
    Applicable income taxes $1,187
    Net charge-offs $146
    Cash dividends $0

    Btc Bank's interest expense for loans was $3,976,000.
    Btc Bank's payroll and benefits expense were $6,487,000.
    Btc Bank's property, plant and equipment expenses $1,875,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $388,606
    Deposits held in domestic offices $388,606
    Deposits by Individuals, partnerships, and corporations $314,860
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $73,263
    Deposits by Commercial banks and other depository institutions in U.S. $482
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $144,432
    Demand deposits $73,674
    Nontransaction accounts $244,173
    Money market deposit accounts (MMDAs) $38,626
    Other savings deposits (excluding MMDAs) $40,974
    Total time deposits $164,573
    Total time and savings deposits $314,931
    Noninterest-bearing deposits $73,673
    Interest-bearing deposits $314,933
    Retail deposits $341,739
    IRAs and Keogh plan accounts $16,939
    Brokered deposits $20,453
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $499,948
    Cash & Balances due from depository institutions $13,599
    Interest-bearing balances $1,300
    Total securities $75,012
    Federal funds sold & reverse repurchase $2,618
    Net loans and leases $380,394
    Loan and leases loss allowance $3,040
    Trading account assets $0
    Bank premises and fixed assets $10,348
    Other real estate owned $597
    Goodwill and other intangibles $1,064
    All other assets $16,316

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $499,948
    Total Liabilities $431,066
    Total deposits $388,606
    Interest-bearing deposits $314,933
    Deposits held in domestic offices $388,606
    % insured (estimated) $82
    Federal funds purchased and repurchase agreements $31,272
    Trading liabilities $0
    Other borrowed funds $8,000
    Subordinated debt $0
    All other liabilities $3,188

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $380,394
    Loan and leases loss allowance $3,040
    Total loans and leases (domestic) $383,434
    All real estate loans $212,599
    Real estate loans in domestic offices $212,599
    Construction and development loans $4,800
    Residential 1-4 family construction $2,029
    Other construction, all land development and other land $2,771
    Loans secured by nonfarm nonresidential properties $26,498
    Nonfarm nonresidential secured by owner-occupied properties $405
    Commercial real estate & other non-farm, non-residential $26,093
    Multifamily residential real estate $609
    1-4 family residential loans $56,142
    Farmland loans $124,550
    Loans held in foreign offices $0
    Farm loans $115,634
    Commercial and industrial loans $44,905
    To non-U.S. addressees $0
    Loans to individuals $8,752
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $6,845
    Other loans to individuals $1,907
    All other loans & leases $1,545
    Loans to foreign governments and official institutions $0
    Other loans $645
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $1,688
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $544
    Non 1-4 family restructured loans & leases $544
    Total loans and leases (foreign) $0

    BTC BANK had $380,394,000 of loans outstanding in 2018. $212,599,000 of loans were in real estate loans. $4,800,000 of loans were in development loans. $609,000 of loans were in multifamily mortgage loans. $56,142,000 of loans were in 1-4 family mortgage loans. $115,634,000 of loans were in farm loans. $0 of loans were in credit card loans. $6,845,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 79 $7,819 $98,975
    Nonfarm, nonresidential loans - <$100k 44 $1,344 $30,545
    Nonfarm, nonresidential loans - $100-250k 20 $2,454 $122,700
    Nonfarm, nonresidential loans - $250k-1MM 15 $4,021 $268,067
    Commercial & Industrial, US addressed loans - <$1MM 410 $26,672 $65,054
    Commercial & Industrial, US addressed loans - <$100k 299 $7,409 $24,779
    Commercial & Industrial, US addressed loans - $100-250k 77 $9,617 $124,896
    Commercial & Industrial, US addressed loans - $250k-1MM 34 $9,646 $283,706
    Farmland loans - <$1MM 439 $60,037 $136,759
    Farmland loans - <$100k 179 $6,678 $37,307
    Farmland loans - $100-250k 152 $20,455 $134,572
    Farmland loans - $250k-1MM 108 $32,904 $304,667
    Agriculture operations loans - <$1MM 747 $45,612 $61,060
    Agriculture operations loans - <$100k 532 $11,868 $22,308
    Agriculture operations loans - $100-250k 145 $15,635 $107,828
    Agriculture operations loans - $250k-1MM 70 $18,109 $258,700