Call reports 2006
BELMONT SAVINGS BANK — 2006
What BELMONT SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 288,664,000 | 298,479,000 | 298,239,000 | 292,326,000 |
| Total loans | 54,649,000 | 54,898,000 | 55,847,000 | 56,439,000 |
| Allowance for loan losses | 714,000 | 663,000 | 607,000 | 451,000 |
| Securities available for sale | 2,928,000 | 2,736,000 | 3,184,000 | 3,259,000 |
| Securities held to maturity | 219,437,000 | 229,860,000 | 227,814,000 | 220,691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,216,000 | 185,411,000 | 186,883,000 | 187,828,000 |
| Interest-bearing deposits | 180,553,000 | 184,694,000 | 186,208,000 | 187,122,000 |
| Noninterest-bearing deposits | 663,000 | 717,000 | 675,000 | 706,000 |
| Equity capital | 34,312,000 | 34,456,000 | 34,941,000 | 35,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,410,000 | 7,074,000 | 10,843,000 | 14,651,000 |
| Interest expense | 2,023,000 | 4,382,000 | 6,991,000 | 9,621,000 |
| Net interest income | 1,387,000 | 2,692,000 | 3,852,000 | 5,030,000 |
| Noninterest income | 39,000 | 114,000 | 167,000 | 225,000 |
| Noninterest expense | 971,000 | 1,941,000 | 2,870,000 | 3,868,000 |
| Provision for loan losses | -5,000 | 2,000 | 7,000 | -98,000 |
| Pretax income | 460,000 | 863,000 | 1,142,000 | 1,485,000 |
| Income tax | 151,000 | 283,000 | 372,000 | 484,000 |
| Net income | 309,000 | 580,000 | 770,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,406,000 | 32,676,000 | 32,866,000 | 33,097,000 |
| Total capital | 34,420,000 | 34,552,000 | 34,888,000 | 34,997,000 |
| Risk-weighted assets | 79,848,000 | 82,548,000 | 81,617,000 | 80,232,000 |