Call reports 2010
BUILDERS BANK — 2010
What BUILDERS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 464,104,000 | 415,818,000 | 337,770,000 | 306,173,000 |
| Total loans | 267,727,000 | 215,912,000 | 193,840,000 | 182,121,000 |
| Allowance for loan losses | 6,835,000 | 4,846,000 | 4,503,000 | 4,185,000 |
| Securities available for sale | 129,840,000 | 133,557,000 | 47,994,000 | 58,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,258,000 | 386,805,000 | 311,228,000 | 278,496,000 |
| Interest-bearing deposits | 426,926,000 | 375,236,000 | 300,283,000 | 273,189,000 |
| Noninterest-bearing deposits | 6,332,000 | 11,569,000 | 10,945,000 | 5,307,000 |
| Equity capital | 28,496,000 | 26,638,000 | 24,008,000 | 23,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,998,000 | 9,287,000 | 14,062,000 | 17,140,000 |
| Interest expense | 2,258,000 | 4,301,000 | 5,745,000 | 6,845,000 |
| Net interest income | 2,740,000 | 4,986,000 | 8,317,000 | 10,295,000 |
| Noninterest income | -283,000 | -1,337,000 | -450,000 | -704,000 |
| Noninterest expense | 3,816,000 | 7,104,000 | 10,358,000 | 12,215,000 |
| Provision for loan losses | 500,000 | 50,000 | 4,335,000 | 4,635,000 |
| Pretax income | -1,205,000 | -3,018,000 | -5,085,000 | -5,926,000 |
| Income tax | 1,191,000 | 2,125,000 | 2,125,000 | 2,125,000 |
| Net income | -2,396,000 | -5,143,000 | -7,210,000 | -8,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,258,000 | 26,511,000 | 24,444,000 | 22,993,000 |
| Total capital | 33,178,000 | 29,725,000 | 27,559,000 | 25,693,000 |
| Risk-weighted assets | 310,669,000 | 255,465,000 | 247,847,000 | 214,507,000 |
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