Call reports 2016
BLACK MOUNTAIN SAVINGS BANK, SSB — 2016
What BLACK MOUNTAIN SAVINGS BANK, SSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 36,971,000 | 37,554,000 | 36,642,000 | 36,502,000 |
| Total loans | 24,969,000 | 25,631,000 | 25,503,000 | 25,657,000 |
| Allowance for loan losses | 43,000 | 43,000 | 43,000 | 43,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,610,000 | 31,585,000 | 31,072,000 | 31,421,000 |
| Interest-bearing deposits | 31,610,000 | 31,585,000 | 31,072,000 | 31,421,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 4,767,000 | 4,804,000 | 4,823,000 | 4,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 335,000 | 692,000 | 1,036,000 | 1,386,000 |
| Interest expense | 62,000 | 127,000 | 194,000 | 262,000 |
| Net interest income | 273,000 | 565,000 | 842,000 | 1,124,000 |
| Noninterest income | 18,000 | 25,000 | 35,000 | 53,000 |
| Noninterest expense | 237,000 | 486,000 | 739,000 | 1,016,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 54,000 | 104,000 | 138,000 | 161,000 |
| Income tax | 13,000 | 26,000 | 41,000 | 49,000 |
| Net income | 41,000 | 78,000 | 97,000 | 112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,767,000 | 4,804,000 | 4,823,000 | 4,838,000 |
| Total capital | 4,810,000 | 4,847,000 | 4,866,000 | 4,881,000 |
| Risk-weighted assets | 14,200,000 | 14,761,000 | 14,311,000 | 13,995,000 |