Call reports 2015
BETTER BANKS — 2015
What BETTER BANKS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 270,792,000 | 260,479,000 | 256,094,000 | 269,752,000 |
| Total loans | 142,733,000 | 148,519,000 | 153,364,000 | 164,394,000 |
| Allowance for loan losses | 986,000 | 1,017,000 | 1,010,000 | 973,000 |
| Securities available for sale | 95,166,000 | 75,959,000 | 72,477,000 | 71,285,000 |
| Securities held to maturity | 4,698,000 | 5,908,000 | 5,883,000 | 9,157,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,695,000 | 229,744,000 | 228,185,000 | 241,705,000 |
| Interest-bearing deposits | 203,715,000 | 186,899,000 | 182,212,000 | 200,648,000 |
| Noninterest-bearing deposits | 41,980,000 | 42,844,000 | 45,973,000 | 41,057,000 |
| Equity capital | 24,082,000 | 23,542,000 | 24,562,000 | 24,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,949,000 | 3,945,000 | 5,964,000 | 8,038,000 |
| Interest expense | 110,000 | 216,000 | 308,000 | 393,000 |
| Net interest income | 1,839,000 | 3,729,000 | 5,656,000 | 7,645,000 |
| Noninterest income | 645,000 | 1,343,000 | 2,031,000 | 2,670,000 |
| Noninterest expense | 1,844,000 | 3,702,000 | 5,580,000 | 7,584,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 659,000 | 1,410,000 | 2,128,000 | 2,722,000 |
| Income tax | 12,000 | 12,000 | 12,000 | 12,000 |
| Net income | 647,000 | 1,398,000 | 2,116,000 | 2,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,475,000 | 21,688,000 | 22,120,000 | 22,537,000 |
| Total capital | 22,461,000 | 22,705,000 | 23,130,000 | 23,510,000 |
| Risk-weighted assets | 140,377,000 | 144,452,000 | 147,591,000 | 160,074,000 |