Call reports 2009
BHM BANK — 2009
What BHM BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 88,754,000 | 85,483,000 | 81,988,000 | 79,731,000 |
| Total loans | 24,149,000 | 22,428,000 | 22,199,000 | 21,938,000 |
| Allowance for loan losses | 237,000 | 233,000 | 290,000 | 439,000 |
| Securities available for sale | 59,529,000 | 53,060,000 | 49,144,000 | 43,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,571,000 | 64,581,000 | 62,835,000 | 60,607,000 |
| Interest-bearing deposits | 63,034,000 | 62,500,000 | 60,942,000 | 58,346,000 |
| Noninterest-bearing deposits | 2,537,000 | 2,081,000 | 1,893,000 | 2,261,000 |
| Equity capital | 10,412,000 | 10,626,000 | 10,906,000 | 10,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 853,000 | 1,582,000 | 2,248,000 | 2,913,000 |
| Interest expense | 353,000 | 577,000 | 792,000 | 984,000 |
| Net interest income | 500,000 | 1,005,000 | 1,456,000 | 1,929,000 |
| Noninterest income | 46,000 | 93,000 | 74,000 | 130,000 |
| Noninterest expense | 345,000 | 728,000 | 1,061,000 | 1,443,000 |
| Provision for loan losses | 0 | 0 | 56,000 | 334,000 |
| Pretax income | 201,000 | 371,000 | 414,000 | 455,000 |
| Income tax | 12,000 | 12,000 | 12,000 | 12,000 |
| Net income | 189,000 | 359,000 | 402,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,368,000 | 10,349,000 | 10,243,000 | 10,223,000 |
| Total capital | 10,605,000 | 10,582,000 | 10,533,000 | 10,632,000 |
| Risk-weighted assets | 32,144,000 | 30,927,000 | 30,659,000 | 31,906,000 |