Call reports 2010
BETTER BANKS — 2010
What BETTER BANKS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 183,772,000 | 181,070,000 | 193,185,000 | 194,506,000 |
| Total loans | 74,456,000 | 73,489,000 | 75,832,000 | 79,072,000 |
| Allowance for loan losses | 968,000 | 1,003,000 | 1,002,000 | 961,000 |
| Securities available for sale | 93,171,000 | 87,762,000 | 83,060,000 | 77,851,000 |
| Securities held to maturity | 6,564,000 | 6,539,000 | 6,445,000 | 4,978,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,969,000 | 154,006,000 | 165,708,000 | 169,747,000 |
| Interest-bearing deposits | 144,400,000 | 133,173,000 | 141,937,000 | 145,991,000 |
| Noninterest-bearing deposits | 21,569,000 | 20,833,000 | 23,771,000 | 23,756,000 |
| Equity capital | 16,756,000 | 17,216,000 | 17,551,000 | 16,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,614,000 | 3,221,000 | 4,817,000 | 6,353,000 |
| Interest expense | 338,000 | 639,000 | 927,000 | 1,190,000 |
| Net interest income | 1,276,000 | 2,582,000 | 3,890,000 | 5,163,000 |
| Noninterest income | 277,000 | 637,000 | 1,105,000 | 1,679,000 |
| Noninterest expense | 1,044,000 | 2,185,000 | 3,408,000 | 5,047,000 |
| Provision for loan losses | 60,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 449,000 | 934,000 | 1,487,000 | 1,695,000 |
| Income tax | -4,000 | -4,000 | -4,000 | -4,000 |
| Net income | 453,000 | 938,000 | 1,491,000 | 1,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,063,000 | 15,548,000 | 16,100,000 | 15,309,000 |
| Total capital | 15,892,000 | 16,368,000 | 16,930,000 | 16,177,000 |
| Risk-weighted assets | 65,460,000 | 64,665,000 | 66,219,000 | 68,553,000 |