Call reports 2009
BETTER BANKS — 2009
What BETTER BANKS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 179,455,000 | 183,818,000 | 194,602,000 | 188,976,000 |
| Total loans | 78,355,000 | 79,315,000 | 78,347,000 | 76,358,000 |
| Allowance for loan losses | 708,000 | 774,000 | 847,000 | 902,000 |
| Securities available for sale | 70,160,000 | 72,660,000 | 80,918,000 | 83,513,000 |
| Securities held to maturity | 2,783,000 | 8,081,000 | 7,979,000 | 6,414,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,673,000 | 161,840,000 | 171,892,000 | 170,509,000 |
| Interest-bearing deposits | 132,952,000 | 139,165,000 | 150,936,000 | 146,977,000 |
| Noninterest-bearing deposits | 23,721,000 | 22,675,000 | 20,956,000 | 23,532,000 |
| Equity capital | 17,911,000 | 18,138,000 | 18,297,000 | 16,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,879,000 | 3,710,000 | 5,508,000 | 7,244,000 |
| Interest expense | 437,000 | 833,000 | 1,230,000 | 1,602,000 |
| Net interest income | 1,442,000 | 2,877,000 | 4,278,000 | 5,642,000 |
| Noninterest income | 457,000 | 878,000 | 1,177,000 | 1,488,000 |
| Noninterest expense | 1,177,000 | 2,264,000 | 3,357,000 | 4,993,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 390,000 |
| Pretax income | 647,000 | 1,341,000 | 1,873,000 | 1,747,000 |
| Income tax | -7,000 | -7,000 | -7,000 | -7,000 |
| Net income | 654,000 | 1,348,000 | 1,880,000 | 1,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,960,000 | 15,653,000 | 15,936,000 | 14,610,000 |
| Total capital | 15,668,000 | 16,427,000 | 16,783,000 | 15,451,000 |
| Risk-weighted assets | 73,845,000 | 70,754,000 | 70,202,000 | 67,204,000 |