Call reports 2015
BELMONT SAVINGS BANK — 2015
What BELMONT SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,468,057,000 | 1,551,904,000 | 1,692,394,000 | 1,812,921,000 |
| Total loans | 1,240,271,000 | 1,301,810,000 | 1,438,050,000 | 1,547,443,000 |
| Allowance for loan losses | 9,203,000 | 9,537,000 | 10,390,000 | 11,240,000 |
| Securities available for sale | 22,197,000 | 22,025,000 | 22,025,000 | 21,876,000 |
| Securities held to maturity | 119,010,000 | 128,801,000 | 135,328,000 | 137,119,000 |
| Trading assets | 2,406,000 | 2,423,000 | 2,348,000 | 2,460,000 |
| Total deposits | 1,049,596,000 | 1,155,864,000 | 1,215,022,000 | 1,276,235,000 |
| Interest-bearing deposits | 875,590,000 | 985,777,000 | 1,037,785,000 | 1,082,447,000 |
| Noninterest-bearing deposits | 174,006,000 | 170,087,000 | 177,237,000 | 193,788,000 |
| Equity capital | 130,461,000 | 136,325,000 | 138,725,000 | 141,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 11,098,000 | 22,659,000 | 35,091,000 | 48,695,000 |
| Interest expense | 2,328,000 | 4,839,000 | 7,438,000 | 10,333,000 |
| Net interest income | 8,770,000 | 17,820,000 | 27,653,000 | 38,362,000 |
| Noninterest income | 730,000 | 1,649,000 | 2,296,000 | 3,002,000 |
| Noninterest expense | 6,869,000 | 13,812,000 | 20,524,000 | 27,708,000 |
| Provision for loan losses | 338,000 | 704,000 | 1,430,000 | 2,317,000 |
| Pretax income | 2,293,000 | 4,953,000 | 7,995,000 | 11,339,000 |
| Income tax | 888,000 | 1,922,000 | 3,091,000 | 4,363,000 |
| Net income | 1,405,000 | 3,031,000 | 4,904,000 | 6,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 130,400,000 | 136,357,000 | 138,747,000 | 141,488,000 |
| Total capital | 139,662,000 | 145,974,000 | 149,193,000 | 152,809,000 |
| Risk-weighted assets | 1,171,907,000 | 1,249,241,000 | 1,312,220,000 | 1,289,824,000 |