Call reports 2012
BANK OF BIRMINGHAM — 2012
What BANK OF BIRMINGHAM reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 128,130,000 | 139,303,000 | 147,933,000 | 152,198,000 |
| Total loans | 106,827,000 | 113,074,000 | 118,440,000 | 128,277,000 |
| Allowance for loan losses | 1,594,000 | 1,644,000 | 1,974,000 | 2,044,000 |
| Securities available for sale | 4,514,000 | 3,932,000 | 3,838,000 | 3,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,413,000 | 124,286,000 | 132,683,000 | 136,377,000 |
| Interest-bearing deposits | 93,023,000 | 101,935,000 | 109,413,000 | 110,955,000 |
| Noninterest-bearing deposits | 20,390,000 | 22,351,000 | 23,270,000 | 25,422,000 |
| Equity capital | 14,193,000 | 14,455,000 | 14,631,000 | 14,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,622,000 | 3,340,000 | 5,086,000 | 6,856,000 |
| Interest expense | 227,000 | 450,000 | 690,000 | 917,000 |
| Net interest income | 1,395,000 | 2,890,000 | 4,396,000 | 5,939,000 |
| Noninterest income | 482,000 | 591,000 | 887,000 | 1,231,000 |
| Noninterest expense | 1,327,000 | 2,494,000 | 3,696,000 | 4,953,000 |
| Provision for loan losses | 20,000 | 70,000 | 400,000 | 470,000 |
| Pretax income | 530,000 | 917,000 | 1,187,000 | 1,747,000 |
| Income tax | 175,000 | 302,000 | 395,000 | 584,000 |
| Net income | 355,000 | 615,000 | 792,000 | 1,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,616,000 | 13,005,000 | 13,270,000 | 13,794,000 |
| Total capital | 14,164,000 | 14,532,000 | 14,922,000 | 15,552,000 |
| Risk-weighted assets | 123,772,000 | 122,052,000 | 131,828,000 | 140,375,000 |