Call reports 2007
BELMONT SAVINGS BANK — 2007
What BELMONT SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 293,841,000 | 297,346,000 | 304,492,000 | 288,807,000 |
| Total loans | 56,100,000 | 55,999,000 | 57,872,000 | 59,677,000 |
| Allowance for loan losses | 461,000 | 378,000 | 353,000 | 309,000 |
| Securities available for sale | 3,259,000 | 11,861,000 | 12,509,000 | 11,545,000 |
| Securities held to maturity | 222,004,000 | 217,558,000 | 220,138,000 | 205,668,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,358,000 | 182,649,000 | 186,173,000 | 194,855,000 |
| Interest-bearing deposits | 183,691,000 | 181,663,000 | 185,282,000 | 193,905,000 |
| Noninterest-bearing deposits | 667,000 | 986,000 | 891,000 | 950,000 |
| Equity capital | 35,177,000 | 35,379,000 | 35,472,000 | 34,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,771,000 | 7,601,000 | 11,565,000 | 15,469,000 |
| Interest expense | 2,563,000 | 5,197,000 | 7,940,000 | 10,542,000 |
| Net interest income | 1,208,000 | 2,404,000 | 3,625,000 | 4,927,000 |
| Noninterest income | 51,000 | 112,000 | 175,000 | 233,000 |
| Noninterest expense | 871,000 | 1,893,000 | 2,918,000 | 3,979,000 |
| Provision for loan losses | 63,000 | 77,000 | 142,000 | 150,000 |
| Pretax income | 325,000 | 546,000 | 740,000 | 1,031,000 |
| Income tax | 107,000 | 174,000 | 235,000 | 329,000 |
| Net income | 218,000 | 372,000 | 505,000 | 702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,316,000 | 33,470,000 | 33,603,000 | 33,799,000 |
| Total capital | 35,046,000 | 35,162,000 | 35,224,000 | 34,795,000 |
| Risk-weighted assets | 81,588,000 | 84,185,000 | 87,365,000 | 84,640,000 |