Call reports 2008
BELMONT SAVINGS BANK — 2008
What BELMONT SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 463,874,000 | 477,302,000 | 482,055,000 | 497,987,000 |
| Total loans | 341,310,000 | 349,706,000 | 360,183,000 | 370,360,000 |
| Allowance for loan losses | 1,563,000 | 1,610,000 | 1,747,000 | 2,124,000 |
| Securities available for sale | 14,040,000 | 13,909,000 | 1,424,000 | 2,696,000 |
| Securities held to maturity | 71,281,000 | 75,285,000 | 72,906,000 | 77,183,000 |
| Trading assets | 0 | 0 | 12,010,000 | 9,293,000 |
| Total deposits | 287,983,000 | 282,414,000 | 270,368,000 | 283,870,000 |
| Interest-bearing deposits | 272,233,000 | 266,296,000 | 252,473,000 | 264,858,000 |
| Noninterest-bearing deposits | 15,750,000 | 16,118,000 | 17,895,000 | 19,012,000 |
| Equity capital | 41,991,000 | 42,304,000 | 41,853,000 | 40,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,693,000 | 11,440,000 | 17,263,000 | 23,349,000 |
| Interest expense | 3,438,000 | 6,595,000 | 9,693,000 | 12,799,000 |
| Net interest income | 2,255,000 | 4,845,000 | 7,570,000 | 10,550,000 |
| Noninterest income | 641,000 | 916,000 | -1,293,000 | -2,771,000 |
| Noninterest expense | 2,269,000 | 4,554,000 | 6,824,000 | 9,252,000 |
| Provision for loan losses | 129,000 | 202,000 | 341,000 | 724,000 |
| Pretax income | 139,000 | 717,000 | -1,365,000 | -3,195,000 |
| Income tax | 5,000 | 117,000 | -712,000 | -1,441,000 |
| Net income | 134,000 | 600,000 | -653,000 | -1,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,537,000 | 41,744,000 | 41,852,000 | 40,749,000 |
| Total capital | 43,100,000 | 43,354,000 | 43,599,000 | 42,873,000 |
| Risk-weighted assets | 293,196,000 | 302,104,000 | 308,956,000 | 322,038,000 |
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