Call reports 2004
BELMONT SAVINGS BANK — 2004
What BELMONT SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 237,819,000 | 257,018,000 | 254,489,000 | 256,107,000 |
| Total loans | 57,464,000 | 56,320,000 | 56,185,000 | 55,512,000 |
| Allowance for loan losses | 307,000 | 361,000 | 423,000 | 420,000 |
| Securities available for sale | 2,835,000 | 3,038,000 | 3,132,000 | 3,538,000 |
| Securities held to maturity | 166,928,000 | 186,546,000 | 183,766,000 | 186,592,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,586,000 | 181,381,000 | 176,151,000 | 167,281,000 |
| Interest-bearing deposits | 185,990,000 | 180,763,000 | 175,581,000 | 166,737,000 |
| Noninterest-bearing deposits | 596,000 | 618,000 | 570,000 | 544,000 |
| Equity capital | 30,845,000 | 31,350,000 | 31,871,000 | 32,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,777,000 | 5,446,000 | 8,290,000 | 11,146,000 |
| Interest expense | 1,286,000 | 2,434,000 | 3,587,000 | 4,740,000 |
| Net interest income | 1,491,000 | 3,012,000 | 4,703,000 | 6,406,000 |
| Noninterest income | 47,000 | 100,000 | 154,000 | 208,000 |
| Noninterest expense | 900,000 | 1,806,000 | 2,724,000 | 3,703,000 |
| Provision for loan losses | 160,000 | 265,000 | 405,000 | 460,000 |
| Pretax income | 478,000 | 1,041,000 | 1,728,000 | 2,451,000 |
| Income tax | 158,000 | 351,000 | 578,000 | 821,000 |
| Net income | 320,000 | 690,000 | 1,150,000 | 1,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,001,000 | 29,375,000 | 29,831,000 | 30,311,000 |
| Total capital | 30,566,000 | 31,085,000 | 31,645,000 | 32,305,000 |
| Risk-weighted assets | 70,795,000 | 75,675,000 | 74,920,000 | 74,471,000 |