Call reports 2018
BETTER BANKS — 2018
What BETTER BANKS reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 296,786,000 | 301,769,000 | 301,276,000 | 299,591,000 |
| Total loans | 195,976,000 | 200,673,000 | 200,104,000 | 204,342,000 |
| Allowance for loan losses | 1,378,000 | 1,501,000 | 1,486,000 | 1,493,000 |
| Securities available for sale | 64,154,000 | 62,623,000 | 59,843,000 | 64,069,000 |
| Securities held to maturity | 8,619,000 | 8,562,000 | 8,539,000 | 4,741,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,264,000 | 268,933,000 | 274,247,000 | 272,473,000 |
| Interest-bearing deposits | 214,372,000 | 224,051,000 | 228,566,000 | 227,833,000 |
| Noninterest-bearing deposits | 56,892,000 | 44,882,000 | 45,681,000 | 44,640,000 |
| Equity capital | 24,590,000 | 24,695,000 | 24,727,000 | 26,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,411,000 | 4,997,000 | 7,657,000 | 10,386,000 |
| Interest expense | 185,000 | 416,000 | 696,000 | 995,000 |
| Net interest income | 2,226,000 | 4,581,000 | 6,961,000 | 9,391,000 |
| Noninterest income | 705,000 | 1,508,000 | 2,342,000 | 3,119,000 |
| Noninterest expense | 2,382,000 | 4,810,000 | 7,374,000 | 9,899,000 |
| Provision for loan losses | 38,000 | 216,000 | 276,000 | 336,000 |
| Pretax income | 511,000 | 1,063,000 | 1,653,000 | 2,255,000 |
| Income tax | 26,000 | 26,000 | 26,000 | 26,000 |
| Net income | 485,000 | 1,037,000 | 1,627,000 | 2,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,896,000 | 23,297,000 | 23,821,000 | 24,357,000 |
| Total capital | 24,274,000 | 24,798,000 | 25,307,000 | 25,850,000 |
| Risk-weighted assets | 190,428,000 | 197,814,000 | 196,112,000 | 201,577,000 |