Call reports 2015
BHM BANK — 2015
What BHM BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 36,797,000 | 36,070,000 | 36,032,000 | 35,476,000 |
| Total loans | 23,327,000 | 24,384,000 | 22,849,000 | 22,991,000 |
| Allowance for loan losses | 475,000 | 477,000 | 480,000 | 483,000 |
| Securities available for sale | 2,019,000 | 1,877,000 | 1,725,000 | 1,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,875,000 | 30,208,000 | 30,114,000 | 29,761,000 |
| Interest-bearing deposits | 27,404,000 | 26,772,000 | 26,781,000 | 27,037,000 |
| Noninterest-bearing deposits | 3,471,000 | 3,436,000 | 3,333,000 | 2,724,000 |
| Equity capital | 5,802,000 | 5,726,000 | 5,715,000 | 5,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 403,000 | 790,000 | 1,207,000 | 1,574,000 |
| Interest expense | 71,000 | 142,000 | 214,000 | 287,000 |
| Net interest income | 332,000 | 648,000 | 993,000 | 1,287,000 |
| Noninterest income | 109,000 | 163,000 | 229,000 | 320,000 |
| Noninterest expense | 454,000 | 886,000 | 1,300,000 | 1,782,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -13,000 | -75,000 | -78,000 | -175,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -13,000 | -75,000 | -78,000 | -175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,643,000 | 5,581,000 | 5,584,000 | 5,480,000 |
| Total capital | 6,028,000 | 5,971,000 | 5,946,000 | 5,837,000 |
| Risk-weighted assets | 30,784,000 | 31,121,000 | 28,950,000 | 28,437,000 |