Call reports 2006
BETTER BANKS — 2006
What BETTER BANKS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 125,848,000 | 129,144,000 | 135,015,000 | 149,836,000 |
| Total loans | 60,973,000 | 63,101,000 | 64,408,000 | 71,956,000 |
| Allowance for loan losses | 555,000 | 567,000 | 572,000 | 634,000 |
| Securities available for sale | 51,734,000 | 48,518,000 | 47,474,000 | 54,408,000 |
| Securities held to maturity | 3,531,000 | 3,897,000 | 3,840,000 | 3,186,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,276,000 | 117,164,000 | 121,755,000 | 135,093,000 |
| Interest-bearing deposits | 96,546,000 | 99,937,000 | 104,805,000 | 114,821,000 |
| Noninterest-bearing deposits | 17,730,000 | 17,227,000 | 16,950,000 | 20,272,000 |
| Equity capital | 11,107,000 | 11,346,000 | 12,461,000 | 13,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,468,000 | 3,036,000 | 4,741,000 | 7,342,000 |
| Interest expense | 462,000 | 946,000 | 1,511,000 | 2,395,000 |
| Net interest income | 1,006,000 | 2,090,000 | 3,230,000 | 4,947,000 |
| Noninterest income | 213,000 | 501,000 | 757,000 | 1,161,000 |
| Noninterest expense | 879,000 | 1,799,000 | 2,735,000 | 4,300,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 271,000 | 711,000 | 1,159,000 | 1,692,000 |
| Income tax | -5,000 | -5,000 | -5,000 | -7,000 |
| Net income | 276,000 | 716,000 | 1,164,000 | 1,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,603,000 | 12,043,000 | 12,491,000 | 13,916,000 |
| Total capital | 12,158,000 | 12,610,000 | 13,063,000 | 14,550,000 |
| Risk-weighted assets | 56,474,000 | 59,049,000 | 60,941,000 | 67,287,000 |