Call reports 2008
BHM BANK — 2008
What BHM BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 87,369,000 | 66,413,000 | 106,216,000 | 100,564,000 |
| Total loans | 29,417,000 | 28,410,000 | 26,452,000 | 24,675,000 |
| Allowance for loan losses | 529,000 | 483,000 | 489,000 | 238,000 |
| Securities available for sale | 53,922,000 | 32,240,000 | 69,873,000 | 66,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,237,000 | 46,239,000 | 85,526,000 | 80,111,000 |
| Interest-bearing deposits | 62,206,000 | 42,459,000 | 82,969,000 | 77,006,000 |
| Noninterest-bearing deposits | 4,031,000 | 3,780,000 | 2,557,000 | 3,105,000 |
| Equity capital | 10,757,000 | 9,834,000 | 10,331,000 | 10,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,271,000 | 2,411,000 | 3,635,000 | 4,761,000 |
| Interest expense | 560,000 | 1,051,000 | 1,615,000 | 2,053,000 |
| Net interest income | 711,000 | 1,360,000 | 2,020,000 | 2,708,000 |
| Noninterest income | 56,000 | 114,000 | 165,000 | 214,000 |
| Noninterest expense | 330,000 | 654,000 | 965,000 | 1,329,000 |
| Provision for loan losses | -30,000 | -31,000 | -31,000 | 181,000 |
| Pretax income | 467,000 | 958,000 | 1,358,000 | 1,519,000 |
| Income tax | 26,000 | 58,000 | 82,000 | 91,000 |
| Net income | 441,000 | 900,000 | 1,276,000 | 1,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,142,000 | 10,151,000 | 10,527,000 | 10,179,000 |
| Total capital | 10,658,000 | 10,590,000 | 10,981,000 | 10,417,000 |
| Risk-weighted assets | 40,502,000 | 34,306,000 | 35,552,000 | 34,104,000 |