Call reports 2017
BETTER BANKS — 2017
What BETTER BANKS reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 283,304,000 | 298,127,000 | 290,490,000 | 294,904,000 |
| Total loans | 178,092,000 | 183,481,000 | 187,119,000 | 192,169,000 |
| Allowance for loan losses | 1,397,000 | 1,443,000 | 1,471,000 | 1,435,000 |
| Securities available for sale | 69,182,000 | 70,681,000 | 69,299,000 | 66,355,000 |
| Securities held to maturity | 10,260,000 | 10,140,000 | 10,975,000 | 8,645,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,370,000 | 271,918,000 | 263,762,000 | 268,551,000 |
| Interest-bearing deposits | 210,130,000 | 231,078,000 | 222,996,000 | 216,312,000 |
| Noninterest-bearing deposits | 48,240,000 | 40,840,000 | 40,766,000 | 52,239,000 |
| Equity capital | 23,903,000 | 25,073,000 | 25,513,000 | 25,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,180,000 | 4,503,000 | 6,880,000 | 9,280,000 |
| Interest expense | 137,000 | 292,000 | 460,000 | 629,000 |
| Net interest income | 2,043,000 | 4,211,000 | 6,420,000 | 8,651,000 |
| Noninterest income | 597,000 | 1,333,000 | 1,978,000 | 2,769,000 |
| Noninterest expense | 2,116,000 | 4,386,000 | 6,685,000 | 8,993,000 |
| Provision for loan losses | 60,000 | 120,000 | 170,000 | 200,000 |
| Pretax income | 466,000 | 1,043,000 | 1,548,000 | 2,230,000 |
| Income tax | 17,000 | 17,000 | 17,000 | 17,000 |
| Net income | 449,000 | 1,026,000 | 1,531,000 | 2,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,306,000 | 21,810,000 | 22,278,000 | 22,988,000 |
| Total capital | 22,703,000 | 23,253,000 | 23,749,000 | 24,423,000 |
| Risk-weighted assets | 174,238,000 | 180,579,000 | 185,697,000 | 186,334,000 |