Call reports 2008
BANK OF BIRMINGHAM — 2008
What BANK OF BIRMINGHAM 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 | 54,460,000 | 66,845,000 | 64,584,000 | 67,312,000 |
| Total loans | 43,573,000 | 49,389,000 | 55,869,000 | 56,841,000 |
| Allowance for loan losses | 610,000 | 789,000 | 700,000 | 710,000 |
| Securities available for sale | 1,893,000 | 1,767,000 | 4,318,000 | 3,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,614,000 | 57,395,000 | 55,401,000 | 58,318,000 |
| Interest-bearing deposits | 38,352,000 | 50,221,000 | 48,741,000 | 52,553,000 |
| Noninterest-bearing deposits | 6,262,000 | 7,174,000 | 6,660,000 | 5,765,000 |
| Equity capital | 9,544,000 | 9,129,000 | 8,918,000 | 8,757,000 |
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 | 728,000 | 1,526,000 | 2,410,000 | 3,312,000 |
| Interest expense | 314,000 | 653,000 | 1,005,000 | 1,387,000 |
| Net interest income | 414,000 | 873,000 | 1,405,000 | 1,925,000 |
| Noninterest income | 31,000 | 53,000 | 75,000 | 95,000 |
| Noninterest expense | 989,000 | 1,717,000 | 2,430,000 | 3,070,000 |
| Provision for loan losses | 50,000 | 145,000 | 254,000 | 384,000 |
| Pretax income | -588,000 | -930,000 | -1,185,000 | -1,415,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -588,000 | -930,000 | -1,185,000 | -1,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,462,000 | 9,120,000 | 8,866,000 | 8,635,000 |
| Total capital | 10,042,000 | 9,771,000 | 9,557,000 | 9,345,000 |
| Risk-weighted assets | 45,600,000 | 51,173,000 | 54,488,000 | 57,655,000 |
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