Call reports 2016
BUILDERS BANK — 2016
What BUILDERS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 130,155,000 | 100,323,000 | 74,268,000 | 41,378,000 |
| Total loans | 65,552,000 | 48,442,000 | 28,186,000 | 8,565,000 |
| Allowance for loan losses | 1,791,000 | 1,875,000 | 1,875,000 | 428,000 |
| Securities available for sale | 31,613,000 | 29,436,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,265,000 | 82,664,000 | 56,546,000 | 23,022,000 |
| Interest-bearing deposits | 102,823,000 | 73,567,000 | 51,195,000 | 20,696,000 |
| Noninterest-bearing deposits | 9,442,000 | 9,097,000 | 5,351,000 | 2,326,000 |
| Equity capital | 17,386,000 | 17,159,000 | 17,280,000 | 17,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,064,000 | 1,917,000 | 2,504,000 | 2,811,000 |
| Interest expense | 251,000 | 449,000 | 594,000 | 695,000 |
| Net interest income | 813,000 | 1,468,000 | 1,910,000 | 2,116,000 |
| Noninterest income | 186,000 | 196,000 | 749,000 | 749,000 |
| Noninterest expense | 1,014,000 | 1,937,000 | 2,585,000 | 3,693,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,447,000 |
| Pretax income | -15,000 | -273,000 | -317,000 | 228,000 |
| Income tax | 18,000 | 18,000 | 18,000 | 18,000 |
| Net income | -33,000 | -291,000 | -335,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,582,000 | 17,324,000 | 17,280,000 | 17,825,000 |
| Total capital | 18,889,000 | 18,232,000 | 17,795,000 | 18,076,000 |
| Risk-weighted assets | 104,100,000 | 71,739,000 | 39,891,000 | 19,943,000 |