Call reports 2013
BHM BANK — 2013
What BHM BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 36,515,000 | 36,167,000 | 36,715,000 | 41,325,000 |
| Total loans | 24,230,000 | 26,020,000 | 24,110,000 | 24,074,000 |
| Allowance for loan losses | 310,000 | 311,000 | 312,000 | 356,000 |
| Securities available for sale | 4,241,000 | 3,730,000 | 3,284,000 | 3,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,622,000 | 26,415,000 | 27,094,000 | 31,977,000 |
| Interest-bearing deposits | 23,721,000 | 23,909,000 | 24,471,000 | 27,277,000 |
| Noninterest-bearing deposits | 2,901,000 | 2,506,000 | 2,623,000 | 4,700,000 |
| Equity capital | 7,791,000 | 7,642,000 | 7,422,000 | 7,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 391,000 | 721,000 | 1,120,000 | 1,562,000 |
| Interest expense | 89,000 | 168,000 | 248,000 | 331,000 |
| Net interest income | 302,000 | 553,000 | 872,000 | 1,231,000 |
| Noninterest income | -25,000 | 36,000 | -3,000 | 16,000 |
| Noninterest expense | 361,000 | 772,000 | 1,294,000 | 1,768,000 |
| Provision for loan losses | 0 | 0 | 0 | 56,000 |
| Pretax income | -84,000 | -183,000 | -425,000 | -577,000 |
| Income tax | 0 | -9,000 | -26,000 | -34,000 |
| Net income | -84,000 | -174,000 | -399,000 | -543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,587,000 | 7,497,000 | 7,272,000 | 7,128,000 |
| Total capital | 7,897,000 | 7,808,000 | 7,584,000 | 7,484,000 |
| Risk-weighted assets | 29,656,000 | 30,658,000 | 30,509,000 | 33,721,000 |