Call reports 2015
BUILDERS BANK — 2015
What BUILDERS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 194,110,000 | 191,310,000 | 165,795,000 | 148,631,000 |
| Total loans | 107,042,000 | 103,454,000 | 85,589,000 | 77,583,000 |
| Allowance for loan losses | 2,099,000 | 2,099,000 | 1,822,000 | 1,822,000 |
| Securities available for sale | 43,623,000 | 39,220,000 | 35,795,000 | 33,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,354,000 | 171,922,000 | 147,101,000 | 129,066,000 |
| Interest-bearing deposits | 172,759,000 | 169,772,000 | 143,398,000 | 121,116,000 |
| Noninterest-bearing deposits | 1,595,000 | 2,150,000 | 3,703,000 | 7,950,000 |
| Equity capital | 18,572,000 | 18,339,000 | 17,643,000 | 17,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,432,000 | 2,898,000 | 4,173,000 | 5,658,000 |
| Interest expense | 353,000 | 709,000 | 1,034,000 | 1,307,000 |
| Net interest income | 1,079,000 | 2,189,000 | 3,139,000 | 4,351,000 |
| Noninterest income | 10,000 | 59,000 | 56,000 | 475,000 |
| Noninterest expense | 1,467,000 | 2,875,000 | 4,535,000 | 6,326,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -378,000 | -626,000 | -1,339,000 | -1,499,000 |
| Income tax | 7,000 | 7,000 | 8,000 | 9,000 |
| Net income | -385,000 | -633,000 | -1,347,000 | -1,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,737,000 | 18,489,000 | 17,776,000 | 17,615,000 |
| Total capital | 20,784,000 | 20,448,000 | 19,503,000 | 19,156,000 |
| Risk-weighted assets | 163,712,000 | 156,639,000 | 138,138,000 | 123,032,000 |