Call reports 2003
BETTER BANKS — 2003
What BETTER BANKS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 45,194,000 | 48,581,000 | 45,620,000 | 48,577,000 |
| Total loans | 21,478,000 | 22,118,000 | 22,745,000 | 23,700,000 |
| Allowance for loan losses | 199,000 | 229,000 | 234,000 | 222,000 |
| Securities available for sale | 16,143,000 | 16,706,000 | 17,507,000 | 18,324,000 |
| Securities held to maturity | 455,000 | 434,000 | 343,000 | 342,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,588,000 | 43,841,000 | 40,774,000 | 43,799,000 |
| Interest-bearing deposits | 35,111,000 | 36,769,000 | 35,515,000 | 37,930,000 |
| Noninterest-bearing deposits | 5,477,000 | 7,072,000 | 5,259,000 | 5,869,000 |
| Equity capital | 4,455,000 | 4,570,000 | 4,641,000 | 4,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 557,000 | 1,097,000 | 1,618,000 | 2,111,000 |
| Interest expense | 135,000 | 265,000 | 383,000 | 494,000 |
| Net interest income | 422,000 | 832,000 | 1,235,000 | 1,617,000 |
| Noninterest income | 93,000 | 218,000 | 345,000 | 428,000 |
| Noninterest expense | 371,000 | 734,000 | 1,110,000 | 1,529,000 |
| Provision for loan losses | 4,000 | 34,000 | 39,000 | 37,000 |
| Pretax income | 140,000 | 282,000 | 431,000 | 479,000 |
| Income tax | 0 | 0 | -13,000 | 60,000 |
| Net income | 140,000 | 282,000 | 444,000 | 419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,040,000 | 4,182,000 | 4,344,000 | 4,322,000 |
| Total capital | 4,239,000 | 4,411,000 | 4,578,000 | 4,544,000 |
| Risk-weighted assets | 18,652,000 | 19,374,000 | 19,432,000 | 21,035,000 |
Machine access — free, no API key
Every figure shown here about BETTER BANKS — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.