Call reports 2001
BETTER BANKS — 2001
What BETTER BANKS reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 41,974,000 | 41,440,000 | 44,290,000 | 46,581,000 |
| Total loans | 21,312,000 | 21,451,000 | 21,531,000 | 22,543,000 |
| Allowance for loan losses | 223,000 | 228,000 | 231,000 | 222,000 |
| Securities available for sale | 13,233,000 | 12,845,000 | 13,427,000 | 13,295,000 |
| Securities held to maturity | 985,000 | 968,000 | 965,000 | 962,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,492,000 | 36,783,000 | 39,289,000 | 42,123,000 |
| Interest-bearing deposits | 32,851,000 | 32,338,000 | 34,878,000 | 36,816,000 |
| Noninterest-bearing deposits | 4,641,000 | 4,445,000 | 4,411,000 | 5,307,000 |
| Equity capital | 4,141,000 | 4,265,000 | 4,486,000 | 3,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 709,000 | 1,393,000 | 2,080,000 | 2,762,000 |
| Interest expense | 315,000 | 605,000 | 883,000 | 1,114,000 |
| Net interest income | 394,000 | 788,000 | 1,197,000 | 1,648,000 |
| Noninterest income | 58,000 | 136,000 | 237,000 | 305,000 |
| Noninterest expense | 298,000 | 624,000 | 920,000 | 1,296,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 148,000 | 325,000 | 496,000 | 633,000 |
| Income tax | 46,000 | 99,000 | 166,000 | 195,000 |
| Net income | 102,000 | 226,000 | 330,000 | 438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,853,000 | 3,977,000 | 4,081,000 | 3,593,000 |
| Total capital | 4,076,000 | 4,205,000 | 4,312,000 | 3,815,000 |
| Risk-weighted assets | 19,154,000 | 19,224,000 | 19,924,000 | 20,770,000 |
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