Call reports 2015
BLACK MOUNTAIN SAVINGS BANK, SSB — 2015
What BLACK MOUNTAIN SAVINGS BANK, SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 36,691,000 | 35,811,000 | 36,629,000 | 36,273,000 |
| Total loans | 24,442,000 | 24,308,000 | 25,335,000 | 25,433,000 |
| Allowance for loan losses | 55,000 | 55,000 | 55,000 | 55,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,255,000 | 30,239,000 | 30,928,000 | 30,869,000 |
| Interest-bearing deposits | 31,255,000 | 30,239,000 | 30,928,000 | 30,869,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 4,666,000 | 4,710,000 | 4,726,000 | 4,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 326,000 | 682,000 | 1,012,000 | 1,333,000 |
| Interest expense | 60,000 | 122,000 | 184,000 | 246,000 |
| Net interest income | 266,000 | 560,000 | 828,000 | 1,087,000 |
| Noninterest income | 3,000 | 10,000 | 15,000 | 21,000 |
| Noninterest expense | 223,000 | 463,000 | 707,000 | 965,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 46,000 | 107,000 | 136,000 | 143,000 |
| Income tax | 11,000 | 27,000 | 41,000 | 46,000 |
| Net income | 35,000 | 80,000 | 95,000 | 97,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,666,000 | 4,710,000 | 4,726,000 | 4,727,000 |
| Total capital | 4,721,000 | 4,765,000 | 4,781,000 | 4,782,000 |
| Risk-weighted assets | 13,738,000 | 13,894,000 | 14,445,000 | 14,322,000 |