Call reports 2014
BANK OF BIRMINGHAM — 2014
What BANK OF BIRMINGHAM reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 193,598,000 | 204,625,000 | 204,499,000 | 206,848,000 |
| Total loans | 161,424,000 | 165,928,000 | 170,553,000 | 182,755,000 |
| Allowance for loan losses | 1,869,000 | 1,869,000 | 1,894,000 | 2,061,000 |
| Securities available for sale | 3,553,000 | 5,751,000 | 5,639,000 | 4,804,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,180,000 | 186,759,000 | 186,089,000 | 187,840,000 |
| Interest-bearing deposits | 134,819,000 | 144,832,000 | 140,432,000 | 140,140,000 |
| Noninterest-bearing deposits | 41,362,000 | 41,927,000 | 45,657,000 | 47,700,000 |
| Equity capital | 16,697,000 | 17,089,000 | 17,556,000 | 18,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,071,000 | 4,217,000 | 6,436,000 | 8,784,000 |
| Interest expense | 254,000 | 530,000 | 800,000 | 1,058,000 |
| Net interest income | 1,817,000 | 3,687,000 | 5,636,000 | 7,726,000 |
| Noninterest income | 216,000 | 342,000 | 534,000 | 702,000 |
| Noninterest expense | 1,412,000 | 2,814,000 | 4,204,000 | 5,623,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 192,000 |
| Pretax income | 621,000 | 1,215,000 | 1,941,000 | 2,613,000 |
| Income tax | 212,000 | 416,000 | 669,000 | 899,000 |
| Net income | 409,000 | 799,000 | 1,272,000 | 1,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,632,000 | 17,028,000 | 17,499,000 | 17,926,000 |
| Total capital | 18,501,000 | 18,897,000 | 19,393,000 | 19,987,000 |
| Risk-weighted assets | 168,451,000 | 177,302,000 | 182,631,000 | 191,092,000 |
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