Call reports 2023
BHM BANK — 2023
What BHM BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 16,437,000 | 14,384,000 | 15,420,000 | 17,282,000 |
| Total loans | 8,347,000 | 8,965,000 | 9,687,000 | 9,985,000 |
| Allowance for loan losses | 151,000 | 90,000 | 90,000 | 115,000 |
| Securities available for sale | 1,514,000 | 1,473,000 | 923,000 | 923,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,309,000 | 10,637,000 | 11,942,000 | 13,966,000 |
| Interest-bearing deposits | 9,573,000 | 9,330,000 | 8,774,000 | 10,557,000 |
| Noninterest-bearing deposits | 2,736,000 | 1,308,000 | 3,168,000 | 3,409,000 |
| Equity capital | 3,478,000 | 3,317,000 | 3,153,000 | 3,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 200,000 | 424,000 | 655,000 | 948,000 |
| Interest expense | 33,000 | 73,000 | 117,000 | 167,000 |
| Net interest income | 167,000 | 351,000 | 538,000 | 781,000 |
| Noninterest income | 16,000 | 32,000 | 45,000 | 57,000 |
| Noninterest expense | 336,000 | 667,000 | 1,013,000 | 1,379,000 |
| Provision for loan losses | 0 | 28,000 | 28,000 | 53,000 |
| Pretax income | -153,000 | -312,000 | -458,000 | -594,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -153,000 | -312,000 | -458,000 | -594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,638,000 | 3,479,000 | 3,333,000 | 3,197,000 |
| Total capital | 3,770,000 | 3,569,000 | 3,423,000 | 3,312,000 |
| Risk-weighted assets | 10,551,000 | 10,746,000 | 11,580,000 | 12,331,000 |