Call reports 2005
BELMONT SAVINGS BANK — 2005
What BELMONT SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 260,072,000 | 268,485,000 | 273,999,000 | 276,644,000 |
| Total loans | 55,751,000 | 55,943,000 | 55,936,000 | 55,421,000 |
| Allowance for loan losses | 501,000 | 418,000 | 774,000 | 750,000 |
| Securities available for sale | 3,034,000 | 3,131,000 | 2,710,000 | 3,137,000 |
| Securities held to maturity | 191,027,000 | 199,236,000 | 204,409,000 | 206,052,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,135,000 | 168,924,000 | 170,753,000 | 172,840,000 |
| Interest-bearing deposits | 165,459,000 | 168,235,000 | 170,184,000 | 172,188,000 |
| Noninterest-bearing deposits | 676,000 | 689,000 | 569,000 | 652,000 |
| Equity capital | 32,850,000 | 33,657,000 | 33,540,000 | 34,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,963,000 | 6,017,000 | 9,235,000 | 12,519,000 |
| Interest expense | 1,118,000 | 2,401,000 | 3,960,000 | 5,770,000 |
| Net interest income | 1,845,000 | 3,616,000 | 5,275,000 | 6,749,000 |
| Noninterest income | 42,000 | 415,000 | 484,000 | 528,000 |
| Noninterest expense | 920,000 | 1,880,000 | 2,833,000 | 3,857,000 |
| Provision for loan losses | 118,000 | 183,000 | 720,000 | 740,000 |
| Pretax income | 849,000 | 1,968,000 | 2,206,000 | 2,680,000 |
| Income tax | 285,000 | 661,000 | 738,000 | 894,000 |
| Net income | 564,000 | 1,307,000 | 1,468,000 | 1,786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,874,000 | 31,617,000 | 31,778,000 | 32,096,000 |
| Total capital | 32,722,000 | 33,426,000 | 33,754,000 | 34,240,000 |
| Risk-weighted assets | 74,305,000 | 77,927,000 | 79,227,000 | 77,249,000 |
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