Call reports 2004
BUILTWELL BANK — 2004
What BUILTWELL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 445,373,000 | 441,561,000 | 448,625,000 | 454,668,000 |
| Total loans | 328,823,000 | 333,187,000 | 338,546,000 | 352,830,000 |
| Allowance for loan losses | 4,194,000 | 4,137,000 | 4,150,000 | 4,150,000 |
| Securities available for sale | 58,712,000 | 52,730,000 | 54,239,000 | 41,127,000 |
| Securities held to maturity | 151,000 | 149,000 | 149,000 | 151,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,991,000 | 394,750,000 | 400,510,000 | 407,077,000 |
| Interest-bearing deposits | 333,076,000 | 328,553,000 | 336,211,000 | 340,762,000 |
| Noninterest-bearing deposits | 62,915,000 | 66,197,000 | 64,299,000 | 66,315,000 |
| Equity capital | 41,470,000 | 40,882,000 | 41,271,000 | 41,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,148,000 | 12,302,000 | 18,675,000 | 25,205,000 |
| Interest expense | 981,000 | 1,934,000 | 2,998,000 | 4,239,000 |
| Net interest income | 5,167,000 | 10,368,000 | 15,677,000 | 20,966,000 |
| Noninterest income | 1,850,000 | 3,753,000 | 5,479,000 | 7,178,000 |
| Noninterest expense | 4,942,000 | 10,078,000 | 15,091,000 | 19,916,000 |
| Provision for loan losses | 260,000 | 560,000 | 588,000 | 623,000 |
| Pretax income | 1,815,000 | 3,483,000 | 5,477,000 | 7,605,000 |
| Income tax | 654,000 | 1,246,000 | 1,971,000 | 2,755,000 |
| Net income | 1,161,000 | 2,237,000 | 3,506,000 | 4,850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,980,000 | 38,994,000 | 39,200,000 | 39,883,000 |
| Total capital | 43,174,000 | 43,131,000 | 43,350,000 | 44,033,000 |
| Risk-weighted assets | 339,001,000 | 343,252,000 | 350,890,000 | 365,084,000 |