Call reports 2010
BHM BANK — 2010
What BHM BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 39,904,000 | 38,610,000 | 38,087,000 | 37,469,000 |
| Total loans | 21,460,000 | 18,503,000 | 18,508,000 | 18,489,000 |
| Allowance for loan losses | 983,000 | 451,000 | 246,000 | 242,000 |
| Securities available for sale | 8,407,000 | 7,715,000 | 6,125,000 | 8,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,188,000 | 22,454,000 | 22,000,000 | 21,723,000 |
| Interest-bearing deposits | 20,074,000 | 20,790,000 | 20,225,000 | 19,908,000 |
| Noninterest-bearing deposits | 2,114,000 | 1,664,000 | 1,775,000 | 1,816,000 |
| Equity capital | 10,488,000 | 8,917,000 | 8,779,000 | 8,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 476,000 | 857,000 | 1,257,000 | 1,592,000 |
| Interest expense | 184,000 | 363,000 | 541,000 | 705,000 |
| Net interest income | 292,000 | 494,000 | 716,000 | 887,000 |
| Noninterest income | 16,000 | 84,000 | 160,000 | 202,000 |
| Noninterest expense | 336,000 | 687,000 | 1,100,000 | 1,466,000 |
| Provision for loan losses | 538,000 | 2,098,000 | 2,098,000 | 2,098,000 |
| Pretax income | 16,000 | -1,625,000 | -1,740,000 | -1,893,000 |
| Income tax | 0 | -4,000 | -4,000 | -4,000 |
| Net income | 16,000 | -1,621,000 | -1,736,000 | -1,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,240,000 | 8,603,000 | 8,487,000 | 8,334,000 |
| Total capital | 10,596,000 | 8,928,000 | 8,733,000 | 8,576,000 |
| Risk-weighted assets | 27,060,000 | 25,138,000 | 24,998,000 | 24,859,000 |