Call reports 2003
BHM BANK — 2003
What BHM BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 59,389,000 | 76,223,000 | 60,985,000 | 54,546,000 |
| Total loans | 33,159,000 | 42,338,000 | 43,679,000 | 39,873,000 |
| Allowance for loan losses | 351,000 | 442,000 | 510,000 | 490,000 |
| Securities available for sale | 13,711,000 | 13,881,000 | 13,101,000 | 12,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,023,000 | 65,876,000 | 50,619,000 | 42,442,000 |
| Interest-bearing deposits | 46,122,000 | 62,855,000 | 46,587,000 | 39,500,000 |
| Noninterest-bearing deposits | 2,901,000 | 3,021,000 | 4,032,000 | 2,942,000 |
| Equity capital | 10,182,000 | 10,239,000 | 10,303,000 | 10,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 778,000 | 1,647,000 | 2,554,000 | 3,468,000 |
| Interest expense | 244,000 | 498,000 | 731,000 | 940,000 |
| Net interest income | 534,000 | 1,149,000 | 1,823,000 | 2,528,000 |
| Noninterest income | 39,000 | 93,000 | 167,000 | 245,000 |
| Noninterest expense | 378,000 | 739,000 | 1,156,000 | 1,560,000 |
| Provision for loan losses | 28,000 | 210,000 | 288,000 | 339,000 |
| Pretax income | 167,000 | 293,000 | 546,000 | 874,000 |
| Income tax | 38,000 | 0 | 0 | 21,000 |
| Net income | 129,000 | 293,000 | 546,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,131,000 | 10,185,000 | 10,327,000 | 10,115,000 |
| Total capital | 10,482,000 | 10,627,000 | 10,837,000 | 10,605,000 |
| Risk-weighted assets | 40,340,000 | 47,358,000 | 45,714,000 | 42,711,000 |