Call reports 2025
BHM BANK — 2025
What BHM BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 18,839,000 | 18,861,000 | 19,014,000 | 18,546,000 |
| Total loans | 10,325,000 | 10,515,000 | 10,152,000 | 9,999,000 |
| Allowance for loan losses | 150,000 | 165,000 | 165,000 | 165,000 |
| Securities available for sale | 2,706,000 | 2,618,000 | 3,510,000 | 3,382,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,102,000 | 15,123,000 | 15,270,000 | 14,987,000 |
| Interest-bearing deposits | 10,364,000 | 9,760,000 | 9,650,000 | 10,033,000 |
| Noninterest-bearing deposits | 4,738,000 | 5,363,000 | 5,620,000 | 4,954,000 |
| Equity capital | 2,621,000 | 2,855,000 | 2,886,000 | 2,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 232,000 | 459,000 | 700,000 | 965,000 |
| Interest expense | 67,000 | 126,000 | 194,000 | 258,000 |
| Net interest income | 165,000 | 333,000 | 506,000 | 707,000 |
| Noninterest income | 331,000 | 640,000 | 936,000 | 987,000 |
| Noninterest expense | 390,000 | 794,000 | 1,272,000 | 2,175,000 |
| Provision for loan losses | 0 | 15,000 | 15,000 | 15,000 |
| Pretax income | 106,000 | 164,000 | 155,000 | -496,000 |
| Income tax | 0 | 0 | 0 | -103,000 |
| Net income | 106,000 | 164,000 | 155,000 | -393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,646,000 | 2,880,000 | 2,826,000 | 2,729,000 |
| Total capital | 2,796,000 | 3,040,000 | 2,985,000 | 2,881,000 |
| Risk-weighted assets | 12,956,000 | 12,826,000 | 12,714,000 | 12,152,000 |