Call reports 2014
BHM BANK — 2014
What BHM BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 38,661,000 | 38,804,000 | 40,946,000 | 40,502,000 |
| Total loans | 25,233,000 | 26,192,000 | 27,351,000 | 24,192,000 |
| Allowance for loan losses | 1,091,000 | 1,092,000 | 1,094,000 | 1,291,000 |
| Securities available for sale | 2,787,000 | 2,535,000 | 2,345,000 | 2,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,056,000 | 32,228,000 | 31,513,000 | 31,476,000 |
| Interest-bearing deposits | 28,796,000 | 29,814,000 | 28,972,000 | 27,939,000 |
| Noninterest-bearing deposits | 3,260,000 | 2,414,000 | 2,541,000 | 3,537,000 |
| Equity capital | 6,464,000 | 6,455,000 | 6,235,000 | 5,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 429,000 | 858,000 | 1,287,000 | 1,689,000 |
| Interest expense | 84,000 | 155,000 | 229,000 | 301,000 |
| Net interest income | 345,000 | 703,000 | 1,058,000 | 1,388,000 |
| Noninterest income | 27,000 | 85,000 | 28,000 | -9,000 |
| Noninterest expense | 433,000 | 864,000 | 1,363,000 | 1,861,000 |
| Provision for loan losses | 766,000 | 766,000 | 766,000 | 976,000 |
| Pretax income | -827,000 | -842,000 | -1,043,000 | -1,458,000 |
| Income tax | -47,000 | -47,000 | -47,000 | -47,000 |
| Net income | -780,000 | -795,000 | -996,000 | -1,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,349,000 | 6,334,000 | 6,133,000 | 5,718,000 |
| Total capital | 6,769,000 | 6,767,000 | 6,580,000 | 6,128,000 |
| Risk-weighted assets | 32,854,000 | 33,903,000 | 35,060,000 | 31,884,000 |