Call reports 2015
BANK OF BIRMINGHAM — 2015
What BANK OF BIRMINGHAM reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 209,100,000 | 227,843,000 | 235,440,000 | 243,660,000 |
| Total loans | 189,588,000 | 202,839,000 | 210,211,000 | 222,139,000 |
| Allowance for loan losses | 2,406,000 | 2,586,000 | 2,586,000 | 2,525,000 |
| Securities available for sale | 4,744,000 | 4,381,000 | 4,271,000 | 3,933,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,205,000 | 206,266,000 | 213,201,000 | 221,144,000 |
| Interest-bearing deposits | 142,562,000 | 154,391,000 | 157,609,000 | 162,960,000 |
| Noninterest-bearing deposits | 46,643,000 | 51,875,000 | 55,592,000 | 58,184,000 |
| Equity capital | 18,696,000 | 19,317,000 | 19,890,000 | 20,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,337,000 | 4,787,000 | 7,428,000 | 10,139,000 |
| Interest expense | 268,000 | 577,000 | 896,000 | 1,225,000 |
| Net interest income | 2,069,000 | 4,210,000 | 6,532,000 | 8,914,000 |
| Noninterest income | 217,000 | 765,000 | 922,000 | 1,230,000 |
| Noninterest expense | 1,436,000 | 2,976,000 | 4,585,000 | 6,311,000 |
| Provision for loan losses | 345,000 | 525,000 | 525,000 | 606,000 |
| Pretax income | 505,000 | 1,474,000 | 2,344,000 | 3,227,000 |
| Income tax | 173,000 | 505,000 | 808,000 | 1,099,000 |
| Net income | 332,000 | 969,000 | 1,536,000 | 2,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,538,000 | 19,139,000 | 19,713,000 | 20,695,000 |
| Total capital | 20,944,000 | 21,725,000 | 22,299,000 | 23,220,000 |
| Risk-weighted assets | 196,383,000 | 207,033,000 | 216,105,000 | 224,945,000 |