Call reports 2013
BETTER BANKS — 2013
What BETTER BANKS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 247,574,000 | 239,959,000 | 251,204,000 | 245,597,000 |
| Total loans | 83,378,000 | 88,903,000 | 89,617,000 | 92,562,000 |
| Allowance for loan losses | 1,155,000 | 1,160,000 | 1,180,000 | 1,136,000 |
| Securities available for sale | 93,795,000 | 95,919,000 | 100,437,000 | 103,329,000 |
| Securities held to maturity | 3,722,000 | 5,459,000 | 6,164,000 | 4,260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,784,000 | 221,269,000 | 231,636,000 | 226,564,000 |
| Interest-bearing deposits | 194,727,000 | 190,841,000 | 201,894,000 | 193,517,000 |
| Noninterest-bearing deposits | 34,057,000 | 30,428,000 | 29,742,000 | 33,047,000 |
| Equity capital | 18,518,000 | 18,227,000 | 18,570,000 | 17,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,201,000 | 2,422,000 | 3,702,000 | 4,974,000 |
| Interest expense | 115,000 | 223,000 | 327,000 | 420,000 |
| Net interest income | 1,086,000 | 2,199,000 | 3,375,000 | 4,554,000 |
| Noninterest income | 531,000 | 1,030,000 | 1,562,000 | 2,205,000 |
| Noninterest expense | 1,375,000 | 2,803,000 | 4,291,000 | 5,961,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 242,000 | 426,000 | 646,000 | 798,000 |
| Income tax | 12,000 | 12,000 | 12,000 | 12,000 |
| Net income | 230,000 | 414,000 | 634,000 | 786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,075,000 | 18,259,000 | 17,530,000 | 16,817,000 |
| Total capital | 19,002,000 | 19,243,000 | 18,522,000 | 17,837,000 |
| Risk-weighted assets | 73,930,000 | 78,471,000 | 79,201,000 | 81,466,000 |