Call reports 2019
BETTER BANKS — 2019
What BETTER BANKS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 295,771,000 | 292,938,000 | 290,313,000 | 288,139,000 |
| Total loans | 200,611,000 | 198,930,000 | 197,882,000 | 200,792,000 |
| Allowance for loan losses | 1,544,000 | 1,538,000 | 1,563,000 | 1,559,000 |
| Securities available for sale | 63,288,000 | 64,348,000 | 58,810,000 | 59,169,000 |
| Securities held to maturity | 4,732,000 | 4,544,000 | 4,617,000 | 2,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,834,000 | 261,488,000 | 259,620,000 | 257,303,000 |
| Interest-bearing deposits | 221,359,000 | 216,687,000 | 211,877,000 | 210,346,000 |
| Noninterest-bearing deposits | 46,475,000 | 44,801,000 | 47,743,000 | 46,957,000 |
| Equity capital | 26,899,000 | 28,216,000 | 29,222,000 | 29,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,691,000 | 5,448,000 | 8,252,000 | 11,032,000 |
| Interest expense | 314,000 | 677,000 | 1,058,000 | 1,432,000 |
| Net interest income | 2,377,000 | 4,771,000 | 7,194,000 | 9,600,000 |
| Noninterest income | 750,000 | 1,531,000 | 2,538,000 | 3,489,000 |
| Noninterest expense | 2,496,000 | 5,025,000 | 7,578,000 | 10,138,000 |
| Provision for loan losses | 62,000 | 122,000 | 182,000 | 242,000 |
| Pretax income | 563,000 | 1,140,000 | 1,955,000 | 2,699,000 |
| Income tax | 30,000 | 30,000 | 30,000 | 30,000 |
| Net income | 533,000 | 1,110,000 | 1,925,000 | 2,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,125,000 | 24,585,000 | 25,285,000 | 25,912,000 |
| Total capital | 25,669,000 | 26,123,000 | 26,848,000 | 27,471,000 |
| Risk-weighted assets | 201,718,000 | 201,403,000 | 198,914,000 | 201,966,000 |