Call reports 2007
BELMONT SAVINGS BANK — 2007
What BELMONT SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 451,404,000 | 451,023,000 | 449,861,000 | 453,715,000 |
| Total loans | 324,365,000 | 318,187,000 | 322,446,000 | 327,086,000 |
| Allowance for loan losses | 1,383,000 | 1,407,000 | 1,407,000 | 1,438,000 |
| Securities available for sale | 9,000 | 7,426,000 | 17,866,000 | 16,149,000 |
| Securities held to maturity | 89,079,000 | 84,771,000 | 74,308,000 | 75,852,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,389,000 | 313,072,000 | 301,147,000 | 294,238,000 |
| Interest-bearing deposits | 298,019,000 | 297,893,000 | 285,407,000 | 278,222,000 |
| Noninterest-bearing deposits | 13,370,000 | 15,179,000 | 15,740,000 | 16,016,000 |
| Equity capital | 41,898,000 | 42,131,000 | 42,584,000 | 42,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,811,000 | 11,556,000 | 17,292,000 | 23,042,000 |
| Interest expense | 3,462,000 | 6,927,000 | 10,502,000 | 14,155,000 |
| Net interest income | 2,349,000 | 4,629,000 | 6,790,000 | 8,887,000 |
| Noninterest income | 292,000 | 563,000 | 819,000 | 1,221,000 |
| Noninterest expense | 2,299,000 | 4,539,000 | 6,764,000 | 9,158,000 |
| Provision for loan losses | 70,000 | 91,000 | 94,000 | 128,000 |
| Pretax income | 272,000 | 562,000 | 760,000 | 984,000 |
| Income tax | 68,000 | 125,000 | 166,000 | 172,000 |
| Net income | 204,000 | 437,000 | 594,000 | 812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,887,000 | 42,123,000 | 42,283,000 | 42,436,000 |
| Total capital | 43,270,000 | 43,530,000 | 43,856,000 | 43,874,000 |
| Risk-weighted assets | 270,782,000 | 274,472,000 | 285,031,000 | 288,012,000 |
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