Call reports 2008
BETTER BANKS — 2008
What BETTER BANKS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 167,708,000 | 172,034,000 | 175,003,000 | 178,289,000 |
| Total loans | 71,919,000 | 75,812,000 | 79,156,000 | 80,931,000 |
| Allowance for loan losses | 654,000 | 662,000 | 676,000 | 640,000 |
| Securities available for sale | 60,452,000 | 61,584,000 | 70,882,000 | 71,957,000 |
| Securities held to maturity | 3,698,000 | 3,681,000 | 3,665,000 | 2,794,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,113,000 | 155,495,000 | 156,476,000 | 156,443,000 |
| Interest-bearing deposits | 128,061,000 | 134,857,000 | 137,165,000 | 135,590,000 |
| Noninterest-bearing deposits | 22,052,000 | 20,638,000 | 19,311,000 | 20,854,000 |
| Equity capital | 17,007,000 | 15,870,000 | 17,644,000 | 18,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,115,000 | 4,073,000 | 6,093,000 | 8,078,000 |
| Interest expense | 826,000 | 1,543,000 | 2,211,000 | 2,783,000 |
| Net interest income | 1,289,000 | 2,530,000 | 3,882,000 | 5,295,000 |
| Noninterest income | 265,000 | 570,000 | 856,000 | 1,117,000 |
| Noninterest expense | 1,056,000 | 2,157,000 | 3,208,000 | 4,525,000 |
| Provision for loan losses | 20,000 | 39,000 | 58,000 | 90,000 |
| Pretax income | 478,000 | 904,000 | 1,472,000 | 1,797,000 |
| Income tax | -7,000 | -7,000 | -7,000 | -7,000 |
| Net income | 485,000 | 911,000 | 1,479,000 | 1,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,986,000 | 14,413,000 | 14,980,000 | 14,305,000 |
| Total capital | 14,640,000 | 15,075,000 | 15,656,000 | 14,945,000 |
| Risk-weighted assets | 68,856,000 | 71,369,000 | 73,159,000 | 75,032,000 |
Machine access — free, no API key
Every figure shown here about BETTER BANKS — 2008 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.