Call reports 2005
BETTER BANKS — 2005
What BETTER BANKS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 125,708,000 | 127,672,000 | 131,492,000 | 128,357,000 |
| Total loans | 55,101,000 | 54,720,000 | 56,516,000 | 58,102,000 |
| Allowance for loan losses | 568,000 | 535,000 | 525,000 | 550,000 |
| Securities available for sale | 52,285,000 | 51,514,000 | 49,683,000 | 52,221,000 |
| Securities held to maturity | 3,820,000 | 3,765,000 | 4,072,000 | 3,695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,484,000 | 115,695,000 | 119,148,000 | 116,776,000 |
| Interest-bearing deposits | 97,583,000 | 98,999,000 | 102,309,000 | 99,985,000 |
| Noninterest-bearing deposits | 16,901,000 | 16,696,000 | 16,839,000 | 16,791,000 |
| Equity capital | 10,837,000 | 11,424,000 | 11,614,000 | 10,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,264,000 | 2,551,000 | 3,939,000 | 5,364,000 |
| Interest expense | 291,000 | 600,000 | 965,000 | 1,390,000 |
| Net interest income | 973,000 | 1,951,000 | 2,974,000 | 3,974,000 |
| Noninterest income | 199,000 | 431,000 | 629,000 | 839,000 |
| Noninterest expense | 865,000 | 1,729,000 | 2,628,000 | 3,570,000 |
| Provision for loan losses | 15,000 | 0 | 0 | 29,000 |
| Pretax income | 292,000 | 653,000 | 975,000 | 1,214,000 |
| Income tax | -19,000 | -19,000 | -19,000 | -19,000 |
| Net income | 311,000 | 672,000 | 994,000 | 1,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,405,000 | 11,766,000 | 12,089,000 | 11,328,000 |
| Total capital | 11,973,000 | 12,301,000 | 12,614,000 | 11,878,000 |
| Risk-weighted assets | 49,885,000 | 50,798,000 | 54,626,000 | 55,712,000 |
Machine access — free, no API key
Every figure shown here about BETTER BANKS — 2005 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.