Call reports 2011
BHM BANK — 2011
What BHM BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 33,757,000 | 33,939,000 | 33,770,000 | 33,514,000 |
| Total loans | 18,800,000 | 18,029,000 | 17,648,000 | 17,305,000 |
| Allowance for loan losses | 249,000 | 420,000 | 421,000 | 423,000 |
| Securities available for sale | 7,389,000 | 6,929,000 | 6,589,000 | 6,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,114,000 | 20,519,000 | 20,221,000 | 20,121,000 |
| Interest-bearing deposits | 18,061,000 | 18,292,000 | 17,900,000 | 17,970,000 |
| Noninterest-bearing deposits | 2,053,000 | 2,227,000 | 2,321,000 | 2,151,000 |
| Equity capital | 8,493,000 | 8,238,000 | 8,353,000 | 8,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 371,000 | 708,000 | 1,192,000 | 1,516,000 |
| Interest expense | 135,000 | 263,000 | 394,000 | 523,000 |
| Net interest income | 236,000 | 445,000 | 798,000 | 993,000 |
| Noninterest income | 68,000 | 118,000 | 187,000 | 134,000 |
| Noninterest expense | 362,000 | 673,000 | 1,031,000 | 1,356,000 |
| Provision for loan losses | 0 | 259,000 | 259,000 | 259,000 |
| Pretax income | -58,000 | -369,000 | -305,000 | -488,000 |
| Income tax | -2,000 | -7,000 | -11,000 | -123,000 |
| Net income | -56,000 | -362,000 | -294,000 | -365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,278,000 | 7,972,000 | 8,040,000 | 7,969,000 |
| Total capital | 8,527,000 | 8,273,000 | 8,337,000 | 8,262,000 |
| Risk-weighted assets | 24,561,000 | 23,208,000 | 22,900,000 | 22,531,000 |