Call reports 2013
BLACK MOUNTAIN SAVINGS BANK, SSB — 2013
What BLACK MOUNTAIN SAVINGS BANK, SSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 36,389,000 | 35,947,000 | 35,629,000 | 35,271,000 |
| Total loans | 24,668,000 | 24,220,000 | 23,997,000 | 24,044,000 |
| 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 | 31,615,000 | 31,283,000 | 30,972,000 | 30,585,000 |
| Interest-bearing deposits | 31,615,000 | 31,283,000 | 30,972,000 | 30,585,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 4,452,000 | 4,491,000 | 4,521,000 | 4,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 361,000 | 722,000 | 1,064,000 | 1,354,000 |
| Interest expense | 68,000 | 134,000 | 197,000 | 258,000 |
| Net interest income | 293,000 | 588,000 | 867,000 | 1,096,000 |
| Noninterest income | 7,000 | 9,000 | 16,000 | 76,000 |
| Noninterest expense | 218,000 | 449,000 | 680,000 | 959,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 148,000 | 203,000 | 213,000 |
| Income tax | 20,000 | 46,000 | 71,000 | 78,000 |
| Net income | 62,000 | 102,000 | 132,000 | 135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,452,000 | 4,491,000 | 4,521,000 | 4,524,000 |
| Total capital | 4,497,000 | 4,536,000 | 4,566,000 | 4,569,000 |
| Risk-weighted assets | 15,689,000 | 15,379,000 | 15,244,000 | 15,142,000 |