Call reports 2004
BETTER BANKS — 2004
What BETTER BANKS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 47,899,000 | 49,389,000 | 126,477,000 | 128,245,000 |
| Total loans | 23,561,000 | 24,194,000 | 56,108,000 | 57,900,000 |
| Allowance for loan losses | 225,000 | 214,000 | 574,000 | 552,000 |
| Securities available for sale | 18,404,000 | 18,897,000 | 54,848,000 | 54,622,000 |
| Securities held to maturity | 341,000 | 340,000 | 4,302,000 | 3,528,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,146,000 | 44,699,000 | 113,833,000 | 116,730,000 |
| Interest-bearing deposits | 37,417,000 | 39,063,000 | 100,312,000 | 100,356,000 |
| Noninterest-bearing deposits | 5,729,000 | 5,636,000 | 13,521,000 | 16,374,000 |
| Equity capital | 4,625,000 | 4,541,000 | 11,985,000 | 10,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 478,000 | 956,000 | 3,786,000 | 5,091,000 |
| Interest expense | 104,000 | 204,000 | 846,000 | 1,139,000 |
| Net interest income | 374,000 | 752,000 | 2,940,000 | 3,952,000 |
| Noninterest income | 74,000 | 170,000 | 591,000 | 800,000 |
| Noninterest expense | 343,000 | 692,000 | 2,463,000 | 3,487,000 |
| Provision for loan losses | 4,000 | 9,000 | 36,000 | 49,000 |
| Pretax income | 101,000 | 221,000 | 1,032,000 | 1,216,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 101,000 | 221,000 | 1,031,000 | 1,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,420,000 | 4,540,000 | 11,910,000 | 11,095,000 |
| Total capital | 4,645,000 | 4,754,000 | 12,484,000 | 11,647,000 |
| Risk-weighted assets | 20,531,000 | 21,021,000 | 51,166,000 | 52,283,000 |
Machine access — free, no API key
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