Call reports 2007
BLACK MOUNTAIN SAVINGS BANK, SSB — 2007
What BLACK MOUNTAIN SAVINGS BANK, SSB reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 31,294,000 | 31,808,000 | 32,009,000 | 31,835,000 |
| Total loans | 24,913,000 | 25,769,000 | 25,935,000 | 26,147,000 |
| Allowance for loan losses | 23,000 | 23,000 | 23,000 | 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 | 27,731,000 | 28,180,000 | 28,337,000 | 28,195,000 |
| Interest-bearing deposits | 27,710,000 | 28,165,000 | 28,322,000 | 28,185,000 |
| Noninterest-bearing deposits | 21,000 | 15,000 | 15,000 | 10,000 |
| Equity capital | 3,454,000 | 3,466,000 | 3,492,000 | 3,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 487,000 | 989,000 | 1,503,000 | 2,006,000 |
| Interest expense | 277,000 | 576,000 | 873,000 | 1,175,000 |
| Net interest income | 210,000 | 413,000 | 630,000 | 831,000 |
| Noninterest income | 3,000 | 4,000 | 5,000 | 8,000 |
| Noninterest expense | 189,000 | 378,000 | 565,000 | 755,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 24,000 | 39,000 | 70,000 | 84,000 |
| Income tax | 4,000 | 7,000 | 12,000 | 24,000 |
| Net income | 20,000 | 32,000 | 58,000 | 60,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,454,000 | 3,466,000 | 3,492,000 | 3,494,000 |
| Total capital | 3,477,000 | 3,489,000 | 3,515,000 | 3,517,000 |
| Risk-weighted assets | 15,070,000 | 15,311,000 | 15,466,000 | 15,404,000 |