Call reports 2005
BUILTWELL BANK — 2005
What BUILTWELL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 475,045,000 | 484,857,000 | 498,617,000 | 506,925,000 |
| Total loans | 360,985,000 | 369,578,000 | 371,070,000 | 372,604,000 |
| Allowance for loan losses | 4,256,000 | 4,333,000 | 4,495,000 | 4,320,000 |
| Securities available for sale | 35,876,000 | 35,367,000 | 38,995,000 | 68,232,000 |
| Securities held to maturity | 151,000 | 5,000 | 5,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 426,747,000 | 434,952,000 | 447,712,000 | 454,295,000 |
| Interest-bearing deposits | 356,134,000 | 360,668,000 | 372,195,000 | 382,604,000 |
| Noninterest-bearing deposits | 70,613,000 | 74,284,000 | 75,517,000 | 71,691,000 |
| Equity capital | 42,661,000 | 43,592,000 | 44,722,000 | 45,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,794,000 | 14,029,000 | 21,819,000 | 30,158,000 |
| Interest expense | 1,405,000 | 3,044,000 | 4,905,000 | 7,100,000 |
| Net interest income | 5,389,000 | 10,985,000 | 16,914,000 | 23,058,000 |
| Noninterest income | 1,822,000 | 3,583,000 | 5,402,000 | 7,094,000 |
| Noninterest expense | 5,130,000 | 10,354,000 | 15,050,000 | 19,952,000 |
| Provision for loan losses | 150,000 | 270,000 | 420,000 | 600,000 |
| Pretax income | 1,931,000 | 3,944,000 | 6,846,000 | 9,600,000 |
| Income tax | 685,000 | 1,276,000 | 2,455,000 | 3,422,000 |
| Net income | 1,246,000 | 2,668,000 | 4,391,000 | 6,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,167,000 | 41,926,000 | 43,187,000 | 44,012,000 |
| Total capital | 45,423,000 | 46,259,000 | 47,682,000 | 48,332,000 |
| Risk-weighted assets | 374,823,000 | 383,988,000 | 391,379,000 | 397,579,000 |