Call reports 2007
BHM BANK — 2007
What BHM BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 54,708,000 | 82,432,000 | 80,344,000 | 77,201,000 |
| Total loans | 34,928,000 | 29,567,000 | 30,888,000 | 28,565,000 |
| Allowance for loan losses | 503,000 | 503,000 | 504,000 | 524,000 |
| Securities available for sale | 16,044,000 | 28,733,000 | 43,385,000 | 46,321,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,551,000 | 72,341,000 | 69,985,000 | 64,625,000 |
| Interest-bearing deposits | 39,108,000 | 66,182,000 | 65,608,000 | 60,455,000 |
| Noninterest-bearing deposits | 5,443,000 | 6,159,000 | 4,377,000 | 4,170,000 |
| Equity capital | 9,772,000 | 9,596,000 | 9,956,000 | 10,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,021,000 | 2,136,000 | 3,529,000 | 4,876,000 |
| Interest expense | 326,000 | 713,000 | 1,324,000 | 1,934,000 |
| Net interest income | 695,000 | 1,423,000 | 2,205,000 | 2,942,000 |
| Noninterest income | 39,000 | 116,000 | 234,000 | 283,000 |
| Noninterest expense | 324,000 | 665,000 | 1,003,000 | 1,409,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 410,000 | 874,000 | 1,436,000 | 1,816,000 |
| Income tax | 27,000 | 57,000 | 93,000 | 115,000 |
| Net income | 383,000 | 817,000 | 1,343,000 | 1,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,158,000 | 10,167,000 | 10,243,000 | 10,126,000 |
| Total capital | 10,650,000 | 10,670,000 | 10,747,000 | 10,610,000 |
| Risk-weighted assets | 39,373,000 | 40,450,000 | 40,413,000 | 37,904,000 |