Call reports 2019
BHM BANK — 2019
What BHM BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 21,993,000 | 21,024,000 | 20,738,000 | 19,584,000 |
| Total loans | 13,039,000 | 12,821,000 | 12,072,000 | 11,979,000 |
| Allowance for loan losses | 167,000 | 158,000 | 162,000 | 168,000 |
| Securities available for sale | 605,000 | 601,000 | 597,000 | 593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,293,000 | 15,510,000 | 15,943,000 | 15,661,000 |
| Interest-bearing deposits | 14,400,000 | 14,095,000 | 13,964,000 | 14,106,000 |
| Noninterest-bearing deposits | 1,893,000 | 1,415,000 | 1,979,000 | 1,555,000 |
| Equity capital | 4,367,000 | 4,175,000 | 3,822,000 | 3,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 240,000 | 475,000 | 696,000 | 894,000 |
| Interest expense | 59,000 | 124,000 | 190,000 | 255,000 |
| Net interest income | 181,000 | 351,000 | 506,000 | 639,000 |
| Noninterest income | 13,000 | 25,000 | -113,000 | -278,000 |
| Noninterest expense | 379,000 | 758,000 | 1,128,000 | 1,505,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -185,000 | -382,000 | -735,000 | -1,144,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -185,000 | -382,000 | -735,000 | -1,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,313,000 | 4,117,000 | 3,563,000 | 3,155,000 |
| Total capital | 4,480,000 | 4,275,000 | 3,725,000 | 3,323,000 |
| Risk-weighted assets | 16,799,000 | 16,611,000 | 16,304,000 | 15,596,000 |