Call reports 2002
BELMONT SAVINGS BANK — 2002
What BELMONT SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 287,348,000 | 280,084,000 | 269,233,000 | 259,958,000 |
| Total loans | 60,642,000 | 63,855,000 | 65,185,000 | 64,182,000 |
| Allowance for loan losses | 362,000 | 358,000 | 430,000 | 379,000 |
| Securities available for sale | 3,042,000 | 2,938,000 | 2,683,000 | 2,834,000 |
| Securities held to maturity | 213,273,000 | 203,302,000 | 191,617,000 | 181,681,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,359,000 | 236,024,000 | 227,960,000 | 219,830,000 |
| Interest-bearing deposits | 239,301,000 | 234,420,000 | 226,239,000 | 218,613,000 |
| Noninterest-bearing deposits | 1,058,000 | 1,604,000 | 1,721,000 | 1,217,000 |
| Equity capital | 29,363,000 | 29,442,000 | 29,695,000 | 29,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,054,000 | 7,837,000 | 11,888,000 | 15,307,000 |
| Interest expense | 2,804,000 | 5,449,000 | 7,897,000 | 10,125,000 |
| Net interest income | 1,250,000 | 2,388,000 | 3,991,000 | 5,182,000 |
| Noninterest income | 29,000 | 58,000 | 101,000 | 134,000 |
| Noninterest expense | 866,000 | 1,801,000 | 2,658,000 | 3,653,000 |
| Provision for loan losses | 50,000 | 77,000 | 233,000 | 253,000 |
| Pretax income | 363,000 | 568,000 | 1,201,000 | 1,410,000 |
| Income tax | 117,000 | 174,000 | 387,000 | 455,000 |
| Net income | 246,000 | 394,000 | 814,000 | 955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,382,000 | 27,530,000 | 27,950,000 | 28,091,000 |
| Total capital | 29,095,000 | 29,192,000 | 29,569,000 | 29,727,000 |
| Risk-weighted assets | 80,644,000 | 80,533,000 | 77,971,000 | 76,998,000 |