Call reports 2006
BLACK MOUNTAIN SAVINGS BANK, SSB — 2006
What BLACK MOUNTAIN SAVINGS BANK, SSB reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 29,565,000 | 30,066,000 | 30,152,000 | 30,129,000 |
| Total loans | 24,154,000 | 23,763,000 | 24,276,000 | 24,473,000 |
| Allowance for loan losses | 21,000 | 21,000 | 21,000 | 23,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,020,000 | 26,501,000 | 26,603,000 | 26,624,000 |
| Interest-bearing deposits | 26,003,000 | 26,486,000 | 26,585,000 | 26,622,000 |
| Noninterest-bearing deposits | 17,000 | 15,000 | 18,000 | 2,000 |
| Equity capital | 3,387,000 | 3,401,000 | 3,418,000 | 3,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 438,000 | 891,000 | 1,363,000 | 1,831,000 |
| Interest expense | 205,000 | 442,000 | 703,000 | 976,000 |
| Net interest income | 233,000 | 449,000 | 660,000 | 855,000 |
| Noninterest income | 2,000 | 3,000 | 4,000 | 6,000 |
| Noninterest expense | 190,000 | 385,000 | 585,000 | 766,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 45,000 | 67,000 | 79,000 | 93,000 |
| Income tax | 17,000 | 25,000 | 20,000 | 18,000 |
| Net income | 28,000 | 42,000 | 59,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,387,000 | 3,401,000 | 3,418,000 | 3,434,000 |
| Total capital | 3,408,000 | 3,422,000 | 3,439,000 | 3,457,000 |
| Risk-weighted assets | 14,458,000 | 14,552,000 | 14,609,000 | 14,686,000 |