Call reports 2016
BELMONT SAVINGS BANK — 2016
What BELMONT SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,916,137,000 | 1,979,127,000 | 2,073,784,000 | 2,158,697,000 |
| Total loans | 1,646,204,000 | 1,701,838,000 | 1,800,232,000 | 1,879,619,000 |
| Allowance for loan losses | 11,831,000 | 12,543,000 | 12,969,000 | 13,585,000 |
| Securities available for sale | 21,985,000 | 22,122,000 | 22,216,000 | 22,048,000 |
| Securities held to maturity | 135,204,000 | 137,341,000 | 134,486,000 | 130,197,000 |
| Trading assets | 2,490,000 | 2,530,000 | 2,595,000 | 2,606,000 |
| Total deposits | 1,361,943,000 | 1,391,056,000 | 1,433,060,000 | 1,475,880,000 |
| Interest-bearing deposits | 1,172,147,000 | 1,204,532,000 | 1,247,003,000 | 1,266,992,000 |
| Noninterest-bearing deposits | 189,796,000 | 186,524,000 | 186,057,000 | 208,888,000 |
| Equity capital | 144,515,000 | 148,099,000 | 151,870,000 | 155,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 14,524,000 | 29,652,000 | 45,406,000 | 61,739,000 |
| Interest expense | 3,194,000 | 6,686,000 | 10,422,000 | 14,376,000 |
| Net interest income | 11,330,000 | 22,966,000 | 34,984,000 | 47,363,000 |
| Noninterest income | 643,000 | 1,319,000 | 1,972,000 | 2,634,000 |
| Noninterest expense | 7,244,000 | 14,119,000 | 21,144,000 | 28,132,000 |
| Provision for loan losses | 599,000 | 1,340,000 | 1,783,000 | 2,385,000 |
| Pretax income | 4,130,000 | 8,826,000 | 14,029,000 | 19,480,000 |
| Income tax | 1,567,000 | 3,306,000 | 5,326,000 | 7,455,000 |
| Net income | 2,563,000 | 5,520,000 | 8,703,000 | 12,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 144,555,000 | 148,045,000 | 151,749,000 | 155,851,000 |
| Total capital | 156,459,000 | 160,683,000 | 164,797,000 | 169,499,000 |
| Risk-weighted assets | 1,336,768,000 | 1,393,707,000 | 1,433,265,000 | 1,488,927,000 |