Call reports 2002
BHM BANK — 2002
What BHM BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 37,292,000 | 35,451,000 | 43,165,000 | 49,531,000 |
| Total loans | 18,575,000 | 22,499,000 | 27,528,000 | 31,979,000 |
| Allowance for loan losses | 220,000 | 244,000 | 298,000 | 338,000 |
| Securities available for sale | 5,210,000 | 5,630,000 | 5,134,000 | 9,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,261,000 | 25,209,000 | 32,392,000 | 38,644,000 |
| Interest-bearing deposits | 25,526,000 | 22,891,000 | 29,894,000 | 36,487,000 |
| Noninterest-bearing deposits | 1,735,000 | 2,318,000 | 2,498,000 | 2,157,000 |
| Equity capital | 9,959,000 | 10,190,000 | 10,642,000 | 10,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 552,000 | 1,174,000 | 1,868,000 | 2,583,000 |
| Interest expense | 163,000 | 295,000 | 465,000 | 654,000 |
| Net interest income | 389,000 | 879,000 | 1,403,000 | 1,929,000 |
| Noninterest income | 23,000 | 56,000 | 364,000 | 450,000 |
| Noninterest expense | 315,000 | 663,000 | 1,018,000 | 1,424,000 |
| Provision for loan losses | 0 | 24,000 | 78,000 | 118,000 |
| Pretax income | 97,000 | 248,000 | 671,000 | 837,000 |
| Income tax | 0 | 0 | 0 | 285,000 |
| Net income | 97,000 | 248,000 | 671,000 | 552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,016,000 | 10,168,000 | 10,591,000 | 10,471,000 |
| Total capital | 10,236,000 | 10,412,000 | 10,889,000 | 10,809,000 |
| Risk-weighted assets | 23,015,000 | 25,587,000 | 32,910,000 | 37,124,000 |