Call reports 2012
BLACK MOUNTAIN SAVINGS BANK, SSB — 2012
What BLACK MOUNTAIN SAVINGS BANK, SSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 35,766,000 | 36,070,000 | 36,081,000 | 36,544,000 |
| Total loans | 25,938,000 | 25,448,000 | 24,867,000 | 24,188,000 |
| Allowance for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,240,000 | 31,571,000 | 31,573,000 | 32,076,000 |
| Interest-bearing deposits | 31,240,000 | 31,571,000 | 31,573,000 | 32,076,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 4,250,000 | 4,292,000 | 4,336,000 | 4,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 397,000 | 781,000 | 1,152,000 | 1,527,000 |
| Interest expense | 86,000 | 164,000 | 239,000 | 310,000 |
| Net interest income | 311,000 | 617,000 | 913,000 | 1,217,000 |
| Noninterest income | 3,000 | 5,000 | 25,000 | 15,000 |
| Noninterest expense | 205,000 | 432,000 | 665,000 | 880,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 109,000 | 190,000 | 273,000 | 352,000 |
| Income tax | 26,000 | 65,000 | 103,000 | 130,000 |
| Net income | 83,000 | 125,000 | 170,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,250,000 | 4,292,000 | 4,336,000 | 4,389,000 |
| Total capital | 4,295,000 | 4,337,000 | 4,381,000 | 4,434,000 |
| Risk-weighted assets | 14,507,000 | 14,205,000 | 16,071,000 | 15,492,000 |