Call reports 2007
BANK OF BIRMINGHAM — 2007
What BANK OF BIRMINGHAM reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 36,185,000 | 43,117,000 | 49,592,000 | 47,260,000 |
| Total loans | 15,283,000 | 21,010,000 | 31,082,000 | 37,107,000 |
| Allowance for loan losses | 230,000 | 315,000 | 470,000 | 560,000 |
| Securities available for sale | 0 | 2,377,000 | 5,912,000 | 2,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,135,000 | 31,240,000 | 38,461,000 | 36,979,000 |
| Interest-bearing deposits | 19,021,000 | 25,890,000 | 31,679,000 | 30,877,000 |
| Noninterest-bearing deposits | 5,114,000 | 5,350,000 | 6,782,000 | 6,102,000 |
| Equity capital | 11,953,000 | 11,232,000 | 10,586,000 | 10,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 415,000 | 981,000 | 1,692,000 | 2,465,000 |
| Interest expense | 170,000 | 444,000 | 774,000 | 1,090,000 |
| Net interest income | 245,000 | 537,000 | 918,000 | 1,375,000 |
| Noninterest income | 38,000 | 65,000 | 94,000 | 116,000 |
| Noninterest expense | 857,000 | 1,792,000 | 2,736,000 | 3,552,000 |
| Provision for loan losses | 35,000 | 120,000 | 275,000 | 465,000 |
| Pretax income | -609,000 | -1,310,000 | -1,999,000 | -2,512,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -609,000 | -1,310,000 | -1,999,000 | -2,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,953,000 | 11,252,000 | 10,563,000 | 10,050,000 |
| Total capital | 12,183,000 | 11,567,000 | 11,020,000 | 10,553,000 |
| Risk-weighted assets | 21,424,000 | 26,308,000 | 35,774,000 | 39,404,000 |
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