Call reports 2012
BELMONT SAVINGS BANK — 2012
What BELMONT SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 718,181,000 | 754,929,000 | 821,990,000 | 837,599,000 |
| Total loans | 560,523,000 | 598,804,000 | 667,374,000 | 671,940,000 |
| Allowance for loan losses | 5,176,000 | 5,360,000 | 5,979,000 | 6,440,000 |
| Securities available for sale | 0 | 0 | 22,765,000 | 22,621,000 |
| Securities held to maturity | 72,181,000 | 75,061,000 | 71,992,000 | 63,984,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 535,981,000 | 580,273,000 | 620,022,000 | 650,648,000 |
| Interest-bearing deposits | 465,649,000 | 481,633,000 | 512,003,000 | 524,423,000 |
| Noninterest-bearing deposits | 70,332,000 | 98,640,000 | 108,019,000 | 126,225,000 |
| Equity capital | 85,065,000 | 85,424,000 | 85,805,000 | 86,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,510,000 | 12,730,000 | 19,682,000 | 26,824,000 |
| Interest expense | 1,297,000 | 2,632,000 | 3,982,000 | 5,322,000 |
| Net interest income | 5,213,000 | 10,098,000 | 15,700,000 | 21,502,000 |
| Noninterest income | 958,000 | 2,440,000 | 3,139,000 | 4,692,000 |
| Noninterest expense | 5,006,000 | 10,083,000 | 15,393,000 | 21,289,000 |
| Provision for loan losses | 481,000 | 1,306,000 | 2,040,000 | 2,736,000 |
| Pretax income | 684,000 | 1,149,000 | 1,406,000 | 2,228,000 |
| Income tax | 223,000 | 376,000 | 441,000 | 759,000 |
| Net income | 461,000 | 773,000 | 965,000 | 1,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,453,000 | 83,812,000 | 84,026,000 | 85,981,000 |
| Total capital | 88,690,000 | 89,235,000 | 90,078,000 | 92,493,000 |
| Risk-weighted assets | 476,651,000 | 516,231,000 | 577,730,000 | 578,354,000 |