Call reports 2003
BLACK MOUNTAIN SAVINGS BANK, SSB — 2003
What BLACK MOUNTAIN SAVINGS BANK, SSB reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 25,436,000 | 25,825,000 | 25,227,000 | 25,303,000 |
| Total loans | 20,532,000 | 20,725,000 | 19,384,000 | 19,118,000 |
| Allowance for loan losses | 21,000 | 21,000 | 21,000 | 21,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,323,000 | 22,679,000 | 22,028,000 | 22,105,000 |
| Interest-bearing deposits | 22,319,000 | 22,665,000 | 22,004,000 | 22,088,000 |
| Noninterest-bearing deposits | 4,000 | 14,000 | 24,000 | 17,000 |
| Equity capital | 2,964,000 | 3,014,000 | 3,062,000 | 3,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 423,000 | 825,000 | 1,232,000 | 1,589,000 |
| Interest expense | 171,000 | 331,000 | 487,000 | 631,000 |
| Net interest income | 252,000 | 494,000 | 745,000 | 958,000 |
| Noninterest income | 3,000 | 5,000 | 6,000 | 10,000 |
| Noninterest expense | 162,000 | 325,000 | 502,000 | 698,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 93,000 | 174,000 | 249,000 | 270,000 |
| Income tax | 35,000 | 66,000 | 93,000 | 94,000 |
| Net income | 58,000 | 108,000 | 156,000 | 176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,964,000 | 3,014,000 | 3,062,000 | 3,082,000 |
| Total capital | 2,985,000 | 3,035,000 | 3,083,000 | 3,103,000 |
| Risk-weighted assets | 11,977,000 | 12,305,000 | 12,024,000 | 11,634,000 |