Call reports 2003
BELMONT SAVINGS BANK — 2003
What BELMONT SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 246,460,000 | 248,036,000 | 252,278,000 | 252,380,000 |
| Total loans | 63,110,000 | 60,701,000 | 58,664,000 | 59,077,000 |
| Allowance for loan losses | 383,000 | 344,000 | 289,000 | 208,000 |
| Securities available for sale | 2,549,000 | 2,437,000 | 2,513,000 | 2,799,000 |
| Securities held to maturity | 169,136,000 | 173,677,000 | 181,436,000 | 178,959,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,866,000 | 209,526,000 | 203,218,000 | 194,017,000 |
| Interest-bearing deposits | 212,964,000 | 208,723,000 | 202,776,000 | 193,487,000 |
| Noninterest-bearing deposits | 902,000 | 803,000 | 442,000 | 530,000 |
| Equity capital | 30,016,000 | 30,076,000 | 30,173,000 | 30,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,151,000 | 6,005,000 | 8,540,000 | 11,190,000 |
| Interest expense | 1,809,000 | 3,516,000 | 5,148,000 | 6,670,000 |
| Net interest income | 1,342,000 | 2,489,000 | 3,392,000 | 4,520,000 |
| Noninterest income | 37,000 | 73,000 | 119,000 | 156,000 |
| Noninterest expense | 901,000 | 1,833,000 | 2,728,000 | 3,635,000 |
| Provision for loan losses | 75,000 | 130,000 | 145,000 | 167,000 |
| Pretax income | 403,000 | 599,000 | 638,000 | 874,000 |
| Income tax | 134,000 | 196,000 | 188,000 | 284,000 |
| Net income | 269,000 | 403,000 | 450,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,360,000 | 28,494,000 | 28,541,000 | 28,681,000 |
| Total capital | 29,872,000 | 29,899,000 | 29,943,000 | 30,131,000 |
| Risk-weighted assets | 74,007,000 | 75,889,000 | 73,528,000 | 72,978,000 |