Call reports 2009
BLACK MOUNTAIN SAVINGS BANK, SSB — 2009
What BLACK MOUNTAIN SAVINGS BANK, SSB reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 35,016,000 | 35,367,000 | 35,661,000 | 36,152,000 |
| Total loans | 28,739,000 | 28,685,000 | 28,103,000 | 28,080,000 |
| 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 | 31,166,000 | 31,467,000 | 31,739,000 | 32,252,000 |
| Interest-bearing deposits | 31,144,000 | 31,467,000 | 31,723,000 | 32,252,000 |
| Noninterest-bearing deposits | 22,000 | 0 | 16,000 | 0 |
| Equity capital | 3,660,000 | 3,702,000 | 3,733,000 | 3,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 489,000 | 963,000 | 1,436,000 | 1,819,000 |
| Interest expense | 219,000 | 438,000 | 636,000 | 814,000 |
| Net interest income | 270,000 | 525,000 | 800,000 | 1,005,000 |
| Noninterest income | 2,000 | 3,000 | 4,000 | 87,000 |
| Noninterest expense | 190,000 | 384,000 | 609,000 | 874,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 144,000 | 195,000 | 218,000 |
| Income tax | 14,000 | 34,000 | 54,000 | 75,000 |
| Net income | 68,000 | 110,000 | 141,000 | 143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,660,000 | 3,702,000 | 3,733,000 | 3,735,000 |
| Total capital | 3,683,000 | 3,725,000 | 3,756,000 | 3,758,000 |
| Risk-weighted assets | 17,597,000 | 17,682,000 | 17,451,000 | 18,068,000 |