Call reports 2008
BUILTWELL BANK — 2008
What BUILTWELL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 553,824,000 | 539,359,000 | 553,004,000 | 642,747,000 |
| Total loans | 419,710,000 | 429,823,000 | 440,684,000 | 506,540,000 |
| Allowance for loan losses | 4,852,000 | 4,980,000 | 5,019,000 | 6,004,000 |
| Securities available for sale | 54,582,000 | 49,936,000 | 50,859,000 | 58,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 488,347,000 | 475,439,000 | 482,474,000 | 562,050,000 |
| Interest-bearing deposits | 433,426,000 | 415,629,000 | 422,864,000 | 476,797,000 |
| Noninterest-bearing deposits | 54,921,000 | 59,810,000 | 59,610,000 | 85,253,000 |
| Equity capital | 55,462,000 | 54,744,000 | 55,133,000 | 61,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,934,000 | 17,209,000 | 25,455,000 | 34,445,000 |
| Interest expense | 3,160,000 | 5,802,000 | 8,226,000 | 10,932,000 |
| Net interest income | 5,774,000 | 11,407,000 | 17,229,000 | 23,513,000 |
| Noninterest income | 1,989,000 | 3,756,000 | 5,565,000 | 7,184,000 |
| Noninterest expense | 5,170,000 | 10,542,000 | 15,652,000 | 20,882,000 |
| Provision for loan losses | 240,000 | 400,000 | 580,000 | 1,115,000 |
| Pretax income | 2,353,000 | 4,221,000 | 6,581,000 | 8,719,000 |
| Income tax | 840,000 | 1,500,000 | 2,349,000 | 3,093,000 |
| Net income | 1,513,000 | 2,721,000 | 4,232,000 | 5,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,630,000 | 53,776,000 | 54,225,000 | 53,758,000 |
| Total capital | 58,482,000 | 58,756,000 | 59,244,000 | 59,762,000 |
| Risk-weighted assets | 450,713,000 | 456,795,000 | 475,063,000 | 524,769,000 |