Call reports 2004
BHM BANK — 2004
What BHM BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 57,536,000 | 62,300,000 | 63,596,000 | 61,278,000 |
| Total loans | 37,590,000 | 37,981,000 | 36,710,000 | 34,099,000 |
| Allowance for loan losses | 562,000 | 620,000 | 625,000 | 625,000 |
| Securities available for sale | 15,423,000 | 20,005,000 | 19,802,000 | 16,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,920,000 | 49,380,000 | 50,068,000 | 47,856,000 |
| Interest-bearing deposits | 44,054,000 | 46,070,000 | 46,698,000 | 44,602,000 |
| Noninterest-bearing deposits | 2,866,000 | 3,310,000 | 3,370,000 | 3,254,000 |
| Equity capital | 10,544,000 | 9,824,000 | 10,396,000 | 9,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 839,000 | 1,728,000 | 2,653,000 | 3,530,000 |
| Interest expense | 207,000 | 427,000 | 653,000 | 874,000 |
| Net interest income | 632,000 | 1,301,000 | 2,000,000 | 2,656,000 |
| Noninterest income | 88,000 | 166,000 | 227,000 | 295,000 |
| Noninterest expense | 361,000 | 729,000 | 1,087,000 | 1,504,000 |
| Provision for loan losses | 72,000 | 160,000 | 178,000 | 278,000 |
| Pretax income | 328,000 | 619,000 | 1,003,000 | 1,210,000 |
| Income tax | 0 | 13,000 | 25,000 | 107,000 |
| Net income | 328,000 | 606,000 | 978,000 | 1,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,444,000 | 10,396,000 | 10,493,000 | 10,118,000 |
| Total capital | 10,960,000 | 10,932,000 | 11,007,000 | 10,608,000 |
| Risk-weighted assets | 41,217,000 | 42,767,000 | 41,054,000 | 39,068,000 |