Call reports 2012
BETTER BANKS — 2012
What BETTER BANKS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 223,030,000 | 220,564,000 | 236,837,000 | 231,384,000 |
| Total loans | 86,768,000 | 84,650,000 | 87,678,000 | 86,321,000 |
| Allowance for loan losses | 1,056,000 | 1,085,000 | 1,113,000 | 1,158,000 |
| Securities available for sale | 83,236,000 | 88,791,000 | 90,101,000 | 92,077,000 |
| Securities held to maturity | 4,875,000 | 4,991,000 | 4,833,000 | 3,029,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,285,000 | 201,246,000 | 216,954,000 | 212,698,000 |
| Interest-bearing deposits | 174,347,000 | 170,310,000 | 184,271,000 | 181,160,000 |
| Noninterest-bearing deposits | 29,938,000 | 30,936,000 | 32,683,000 | 31,539,000 |
| Equity capital | 18,459,000 | 18,876,000 | 19,314,000 | 18,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,426,000 | 2,805,000 | 4,180,000 | 5,504,000 |
| Interest expense | 163,000 | 307,000 | 439,000 | 561,000 |
| Net interest income | 1,263,000 | 2,498,000 | 3,741,000 | 4,943,000 |
| Noninterest income | 440,000 | 955,000 | 1,884,000 | 2,603,000 |
| Noninterest expense | 971,000 | 2,340,000 | 4,077,000 | 5,703,000 |
| Provision for loan losses | 25,000 | 50,000 | 76,000 | 92,000 |
| Pretax income | 707,000 | 1,063,000 | 1,472,000 | 1,751,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 707,000 | 1,063,000 | 1,472,000 | 1,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,001,000 | 18,357,000 | 18,766,000 | 17,845,000 |
| Total capital | 18,941,000 | 19,297,000 | 19,730,000 | 18,809,000 |
| Risk-weighted assets | 75,155,000 | 74,278,000 | 76,939,000 | 76,918,000 |