Call reports 2004
BLACK MOUNTAIN SAVINGS BANK, SSB — 2004
What BLACK MOUNTAIN SAVINGS BANK, SSB reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 25,346,000 | 25,393,000 | 25,905,000 | 25,685,000 |
| Total loans | 19,685,000 | 20,301,000 | 20,820,000 | 21,495,000 |
| 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 | 22,104,000 | 22,118,000 | 22,561,000 | 22,331,000 |
| Interest-bearing deposits | 22,100,000 | 22,118,000 | 22,499,000 | 22,308,000 |
| Noninterest-bearing deposits | 4,000 | 0 | 62,000 | 23,000 |
| Equity capital | 3,105,000 | 3,137,000 | 3,180,000 | 3,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 343,000 | 701,000 | 1,065,000 | 1,430,000 |
| Interest expense | 135,000 | 265,000 | 386,000 | 510,000 |
| Net interest income | 208,000 | 436,000 | 679,000 | 920,000 |
| Noninterest income | 2,000 | 2,000 | 3,000 | 7,000 |
| Noninterest expense | 173,000 | 349,000 | 524,000 | 714,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 37,000 | 89,000 | 158,000 | 213,000 |
| Income tax | 14,000 | 34,000 | 60,000 | 80,000 |
| Net income | 23,000 | 55,000 | 98,000 | 133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,105,000 | 3,137,000 | 3,180,000 | 3,215,000 |
| Total capital | 3,126,000 | 3,158,000 | 3,201,000 | 3,236,000 |
| Risk-weighted assets | 11,731,000 | 12,171,000 | 12,554,000 | 12,413,000 |