Call reports 2005
BLACK MOUNTAIN SAVINGS BANK, SSB — 2005
What BLACK MOUNTAIN SAVINGS BANK, SSB reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 26,382,000 | 26,199,000 | 27,265,000 | 28,148,000 |
| Total loans | 22,033,000 | 23,393,000 | 23,676,000 | 24,643,000 |
| 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 | 22,934,000 | 22,745,000 | 23,797,000 | 24,684,000 |
| Interest-bearing deposits | 22,923,000 | 22,735,000 | 23,793,000 | 24,679,000 |
| Noninterest-bearing deposits | 11,000 | 10,000 | 4,000 | 5,000 |
| Equity capital | 3,251,000 | 3,287,000 | 3,315,000 | 3,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 372,000 | 768,000 | 1,174,000 | 1,588,000 |
| Interest expense | 128,000 | 271,000 | 433,000 | 616,000 |
| Net interest income | 244,000 | 497,000 | 741,000 | 972,000 |
| Noninterest income | 1,000 | 2,000 | 2,000 | 6,000 |
| Noninterest expense | 187,000 | 383,000 | 581,000 | 763,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 58,000 | 116,000 | 162,000 | 215,000 |
| Income tax | 22,000 | 44,000 | 62,000 | 71,000 |
| Net income | 36,000 | 72,000 | 100,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,251,000 | 3,287,000 | 3,315,000 | 3,359,000 |
| Total capital | 3,272,000 | 3,308,000 | 3,336,000 | 3,380,000 |
| Risk-weighted assets | 12,747,000 | 13,369,000 | 13,628,000 | 14,192,000 |