Call reports 2014
BUILDERS BANK — 2014
What BUILDERS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 222,168,000 | 218,891,000 | 205,527,000 | 204,282,000 |
| Total loans | 109,748,000 | 114,490,000 | 112,846,000 | 117,765,000 |
| Allowance for loan losses | 4,098,000 | 2,851,000 | 2,034,000 | 2,099,000 |
| Securities available for sale | 67,162,000 | 59,664,000 | 54,171,000 | 49,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,113,000 | 189,620,000 | 178,934,000 | 170,340,000 |
| Interest-bearing deposits | 193,177,000 | 184,285,000 | 177,704,000 | 169,263,000 |
| Noninterest-bearing deposits | 2,936,000 | 5,335,000 | 1,230,000 | 1,077,000 |
| Equity capital | 16,651,000 | 18,133,000 | 20,342,000 | 18,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,554,000 | 4,519,000 | 6,244,000 | 7,890,000 |
| Interest expense | 379,000 | 748,000 | 1,110,000 | 1,466,000 |
| Net interest income | 1,175,000 | 3,771,000 | 5,134,000 | 6,424,000 |
| Noninterest income | -19,000 | 95,000 | 871,000 | 122,000 |
| Noninterest expense | 1,999,000 | 3,916,000 | 5,061,000 | 7,087,000 |
| Provision for loan losses | 0 | -1,250,000 | -2,067,000 | -2,067,000 |
| Pretax income | -843,000 | 1,200,000 | 3,011,000 | 1,526,000 |
| Income tax | 6,000 | 449,000 | 6,000 | 6,000 |
| Net income | -849,000 | 751,000 | 3,005,000 | 1,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,753,000 | 18,353,000 | 20,607,000 | 19,122,000 |
| Total capital | 18,472,000 | 20,131,000 | 22,641,000 | 21,221,000 |
| Risk-weighted assets | 135,114,000 | 141,146,000 | 169,697,000 | 171,340,000 |
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