Call reports 2016
BANK OF BIRMINGHAM — 2016
What BANK OF BIRMINGHAM reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 273,610,000 | 274,468,000 | 301,434,000 | 290,029,000 |
| Total loans | 227,052,000 | 238,209,000 | 246,072,000 | 260,170,000 |
| Allowance for loan losses | 2,935,000 | 2,788,000 | 2,538,000 | 2,643,000 |
| Securities available for sale | 3,845,000 | 3,234,000 | 2,620,000 | 2,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,325,000 | 249,714,000 | 275,052,000 | 263,521,000 |
| Interest-bearing deposits | 188,403,000 | 183,722,000 | 209,716,000 | 197,421,000 |
| Noninterest-bearing deposits | 61,922,000 | 65,992,000 | 65,336,000 | 66,100,000 |
| Equity capital | 21,604,000 | 23,077,000 | 23,977,000 | 24,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,792,000 | 5,671,000 | 8,737,000 | 11,855,000 |
| Interest expense | 348,000 | 693,000 | 1,037,000 | 1,391,000 |
| Net interest income | 2,444,000 | 4,978,000 | 7,700,000 | 10,464,000 |
| Noninterest income | 210,000 | 421,000 | 843,000 | 1,075,000 |
| Noninterest expense | 1,669,000 | 3,290,000 | 5,023,000 | 6,692,000 |
| Provision for loan losses | 410,000 | 815,000 | 845,000 | 950,000 |
| Pretax income | 575,000 | 1,294,000 | 2,675,000 | 3,897,000 |
| Income tax | 197,000 | 444,000 | 922,000 | 1,330,000 |
| Net income | 378,000 | 850,000 | 1,753,000 | 2,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,336,000 | 22,804,000 | 23,676,000 | 24,476,000 |
| Total capital | 24,212,000 | 25,592,000 | 26,214,000 | 27,119,000 |
| Risk-weighted assets | 230,057,000 | 240,205,000 | 249,526,000 | 265,563,000 |