Call reports 2005
BHM BANK — 2005
What BHM BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 56,674,000 | 54,597,000 | 55,831,000 | 70,763,000 |
| Total loans | 33,155,000 | 34,833,000 | 33,857,000 | 33,869,000 |
| Allowance for loan losses | 626,000 | 629,000 | 591,000 | 606,000 |
| Securities available for sale | 16,975,000 | 16,602,000 | 16,062,000 | 17,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,515,000 | 44,085,000 | 45,470,000 | 60,492,000 |
| Interest-bearing deposits | 42,301,000 | 39,082,000 | 39,065,000 | 55,800,000 |
| Noninterest-bearing deposits | 4,214,000 | 5,003,000 | 6,405,000 | 4,692,000 |
| Equity capital | 9,954,000 | 10,335,000 | 10,156,000 | 9,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 893,000 | 1,825,000 | 2,758,000 | 3,754,000 |
| Interest expense | 223,000 | 438,000 | 652,000 | 900,000 |
| Net interest income | 670,000 | 1,387,000 | 2,106,000 | 2,854,000 |
| Noninterest income | 69,000 | 121,000 | 190,000 | 236,000 |
| Noninterest expense | 326,000 | 684,000 | 1,014,000 | 1,435,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 413,000 | 824,000 | 1,282,000 | 1,655,000 |
| Income tax | 35,000 | 71,000 | 108,000 | 149,000 |
| Net income | 378,000 | 753,000 | 1,174,000 | 1,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,497,000 | 10,522,000 | 10,542,000 | 10,124,000 |
| Total capital | 10,970,000 | 10,995,000 | 11,013,000 | 10,651,000 |
| Risk-weighted assets | 37,681,000 | 37,695,000 | 38,033,000 | 42,138,000 |