Call reports 2011
BETTER BANKS — 2011
What BETTER BANKS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 192,539,000 | 213,144,000 | 219,886,000 | 219,234,000 |
| Total loans | 75,608,000 | 83,680,000 | 84,185,000 | 88,665,000 |
| Allowance for loan losses | 987,000 | 1,049,000 | 1,075,000 | 1,027,000 |
| Securities available for sale | 74,381,000 | 76,424,000 | 81,087,000 | 84,689,000 |
| Securities held to maturity | 5,064,000 | 6,256,000 | 6,162,000 | 4,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,612,000 | 186,830,000 | 195,784,000 | 196,087,000 |
| Interest-bearing deposits | 144,494,000 | 161,318,000 | 168,750,000 | 166,560,000 |
| Noninterest-bearing deposits | 23,118,000 | 25,512,000 | 27,034,000 | 29,527,000 |
| Equity capital | 16,456,000 | 18,430,000 | 18,768,000 | 17,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,479,000 | 3,309,000 | 4,893,000 | 6,421,000 |
| Interest expense | 227,000 | 480,000 | 689,000 | 882,000 |
| Net interest income | 1,252,000 | 2,829,000 | 4,204,000 | 5,539,000 |
| Noninterest income | 276,000 | 648,000 | 1,171,000 | 1,671,000 |
| Noninterest expense | 1,106,000 | 2,645,000 | 3,947,000 | 5,369,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 397,000 | 782,000 | 1,353,000 | 1,741,000 |
| Income tax | -1,000 | 0 | 0 | 0 |
| Net income | 398,000 | 782,000 | 1,353,000 | 1,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,707,000 | 17,536,000 | 17,906,000 | 17,294,000 |
| Total capital | 16,537,000 | 18,467,000 | 18,834,000 | 18,266,000 |
| Risk-weighted assets | 65,510,000 | 73,584,000 | 73,738,000 | 76,933,000 |