Call reports 2012
BHM BANK — 2012
What BHM BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 32,590,000 | 35,592,000 | 35,404,000 | 36,647,000 |
| Total loans | 15,859,000 | 19,937,000 | 21,716,000 | 23,815,000 |
| Allowance for loan losses | 236,000 | 227,000 | 269,000 | 308,000 |
| Securities available for sale | 5,534,000 | 5,801,000 | 5,279,000 | 4,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,796,000 | 23,900,000 | 23,786,000 | 25,138,000 |
| Interest-bearing deposits | 19,256,000 | 20,481,000 | 21,722,000 | 21,311,000 |
| Noninterest-bearing deposits | 1,540,000 | 3,419,000 | 2,064,000 | 3,827,000 |
| Equity capital | 8,142,000 | 8,052,000 | 7,977,000 | 7,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 290,000 | 646,000 | 1,040,000 | 1,459,000 |
| Interest expense | 123,000 | 235,000 | 341,000 | 445,000 |
| Net interest income | 167,000 | 411,000 | 699,000 | 1,014,000 |
| Noninterest income | 38,000 | 107,000 | 164,000 | 232,000 |
| Noninterest expense | 337,000 | 714,000 | 1,112,000 | 1,483,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 79,000 |
| Pretax income | -132,000 | -196,000 | -289,000 | -316,000 |
| Income tax | -8,000 | -12,000 | -17,000 | -18,000 |
| Net income | -124,000 | -184,000 | -272,000 | -298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,845,000 | 7,785,000 | 7,698,000 | 7,671,000 |
| Total capital | 8,081,000 | 8,012,000 | 7,967,000 | 7,979,000 |
| Risk-weighted assets | 22,330,000 | 26,767,000 | 27,168,000 | 28,795,000 |