Call reports 2014
BETTER BANKS — 2014
What BETTER BANKS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 246,196,000 | 248,439,000 | 287,581,000 | 273,934,000 |
| Total loans | 89,620,000 | 92,715,000 | 140,816,000 | 142,153,000 |
| Allowance for loan losses | 1,140,000 | 1,137,000 | 1,126,000 | 925,000 |
| Securities available for sale | 103,964,000 | 103,669,000 | 109,991,000 | 98,882,000 |
| Securities held to maturity | 4,246,000 | 4,188,000 | 4,175,000 | 4,515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,188,000 | 228,935,000 | 262,625,000 | 249,243,000 |
| Interest-bearing deposits | 192,097,000 | 194,399,000 | 215,909,000 | 208,917,000 |
| Noninterest-bearing deposits | 35,091,000 | 34,536,000 | 46,716,000 | 40,326,000 |
| Equity capital | 18,025,000 | 18,348,000 | 23,569,000 | 23,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,245,000 | 2,496,000 | 4,077,000 | 6,001,000 |
| Interest expense | 87,000 | 163,000 | 268,000 | 383,000 |
| Net interest income | 1,158,000 | 2,333,000 | 3,809,000 | 5,618,000 |
| Noninterest income | 526,000 | 1,173,000 | 1,830,000 | 2,454,000 |
| Noninterest expense | 1,629,000 | 3,329,000 | 5,220,000 | 7,056,000 |
| Provision for loan losses | 0 | 0 | 0 | -127,000 |
| Pretax income | 55,000 | 177,000 | 421,000 | 1,293,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 6,000 |
| Net income | 49,000 | 171,000 | 415,000 | 1,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,875,000 | 17,007,000 | 20,476,000 | 20,433,000 |
| Total capital | 17,863,000 | 18,032,000 | 21,602,000 | 21,358,000 |
| Risk-weighted assets | 78,913,000 | 81,913,000 | 127,265,000 | 134,584,000 |