Call reports 2013
BELMONT SAVINGS BANK — 2013
What BELMONT SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 839,110,000 | 908,508,000 | 1,022,658,000 | 1,054,085,000 |
| Total loans | 717,784,000 | 736,525,000 | 802,792,000 | 846,971,000 |
| Allowance for loan losses | 6,778,000 | 6,856,000 | 7,325,000 | 7,958,000 |
| Securities available for sale | 12,013,000 | 16,940,000 | 21,804,000 | 21,921,000 |
| Securities held to maturity | 64,692,000 | 72,709,000 | 121,426,000 | 119,776,000 |
| Trading assets | 0 | 2,066,000 | 2,151,000 | 2,234,000 |
| Total deposits | 657,450,000 | 711,597,000 | 743,347,000 | 781,196,000 |
| Interest-bearing deposits | 540,747,000 | 577,728,000 | 608,760,000 | 641,024,000 |
| Noninterest-bearing deposits | 116,703,000 | 133,869,000 | 134,587,000 | 140,172,000 |
| Equity capital | 87,080,000 | 107,684,000 | 108,707,000 | 109,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,006,000 | 14,144,000 | 22,139,000 | 31,057,000 |
| Interest expense | 1,273,000 | 2,548,000 | 3,812,000 | 5,159,000 |
| Net interest income | 5,733,000 | 11,596,000 | 18,327,000 | 25,898,000 |
| Noninterest income | 1,006,000 | 2,023,000 | 2,917,000 | 3,670,000 |
| Noninterest expense | 5,774,000 | 11,946,000 | 18,260,000 | 25,026,000 |
| Provision for loan losses | 327,000 | 427,000 | 865,000 | 1,497,000 |
| Pretax income | 669,000 | 1,280,000 | 2,153,000 | 3,079,000 |
| Income tax | 273,000 | 527,000 | 884,000 | 1,253,000 |
| Net income | 396,000 | 753,000 | 1,269,000 | 1,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,571,000 | 107,113,000 | 107,570,000 | 109,777,000 |
| Total capital | 93,414,000 | 114,038,000 | 115,000,000 | 117,849,000 |
| Risk-weighted assets | 673,841,000 | 715,120,000 | 792,219,000 | 847,278,000 |
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