Call reports 2006
BHM BANK — 2006
What BHM BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 64,158,000 | 60,156,000 | 54,822,000 | 53,941,000 |
| Total loans | 29,986,000 | 32,459,000 | 32,888,000 | 35,542,000 |
| Allowance for loan losses | 456,000 | 472,000 | 504,000 | 495,000 |
| Securities available for sale | 16,517,000 | 16,481,000 | 16,791,000 | 16,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,993,000 | 49,950,000 | 44,839,000 | 38,812,000 |
| Interest-bearing deposits | 49,316,000 | 45,236,000 | 39,657,000 | 33,244,000 |
| Noninterest-bearing deposits | 4,677,000 | 4,714,000 | 5,182,000 | 5,568,000 |
| Equity capital | 9,467,000 | 9,265,000 | 9,627,000 | 9,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,091,000 | 2,188,000 | 3,255,000 | 4,309,000 |
| Interest expense | 319,000 | 618,000 | 886,000 | 1,159,000 |
| Net interest income | 772,000 | 1,570,000 | 2,369,000 | 3,150,000 |
| Noninterest income | 58,000 | 109,000 | 160,000 | 209,000 |
| Noninterest expense | 332,000 | 652,000 | 976,000 | 1,342,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 498,000 | 1,027,000 | 1,553,000 | 2,017,000 |
| Income tax | 43,000 | 84,000 | 122,000 | 156,000 |
| Net income | 455,000 | 943,000 | 1,431,000 | 1,861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,139,000 | 10,137,000 | 10,125,000 | 10,125,000 |
| Total capital | 10,595,000 | 10,604,000 | 10,598,000 | 10,620,000 |
| Risk-weighted assets | 38,016,000 | 37,706,000 | 37,855,000 | 39,681,000 |