Call reports 2003
BUILTWELL BANK — 2003
What BUILTWELL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 450,483,000 | 460,377,000 | 444,973,000 | 464,316,000 |
| Total loans | 328,989,000 | 329,034,000 | 320,817,000 | 324,338,000 |
| Allowance for loan losses | 3,884,000 | 3,931,000 | 4,001,000 | 4,002,000 |
| Securities available for sale | 51,048,000 | 56,102,000 | 60,993,000 | 59,123,000 |
| Securities held to maturity | 622,000 | 152,000 | 152,000 | 148,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,133,000 | 411,523,000 | 397,618,000 | 415,515,000 |
| Interest-bearing deposits | 343,205,000 | 344,989,000 | 333,685,000 | 351,288,000 |
| Noninterest-bearing deposits | 60,928,000 | 66,534,000 | 63,933,000 | 64,227,000 |
| Equity capital | 40,769,000 | 40,403,000 | 40,619,000 | 41,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,855,000 | 13,468,000 | 19,845,000 | 26,230,000 |
| Interest expense | 1,437,000 | 2,819,000 | 3,981,000 | 5,030,000 |
| Net interest income | 5,418,000 | 10,649,000 | 15,864,000 | 21,200,000 |
| Noninterest income | 2,161,000 | 4,492,000 | 6,631,000 | 8,611,000 |
| Noninterest expense | 5,455,000 | 11,308,000 | 16,215,000 | 20,771,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 1,824,000 | 3,233,000 | 5,380,000 | 7,840,000 |
| Income tax | 617,000 | 1,130,000 | 1,925,000 | 2,810,000 |
| Net income | 1,207,000 | 2,103,000 | 3,455,000 | 5,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,013,000 | 38,828,000 | 39,188,000 | 39,736,000 |
| Total capital | 42,897,000 | 42,759,000 | 43,189,000 | 43,738,000 |
| Risk-weighted assets | 337,956,000 | 337,597,000 | 331,472,000 | 340,956,000 |