Call reports 2008
BELMONT SAVINGS BANK — 2008
What BELMONT SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 237,014,000 | 260,708,000 | 284,538,000 | 305,060,000 |
| Total loans | 59,993,000 | 59,838,000 | 60,965,000 | 61,826,000 |
| Allowance for loan losses | 322,000 | 425,000 | 589,000 | 602,000 |
| Securities available for sale | 13,102,000 | 13,332,000 | 18,549,000 | 26,487,000 |
| Securities held to maturity | 136,122,000 | 176,775,000 | 194,278,000 | 203,563,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,079,000 | 200,638,000 | 198,359,000 | 212,842,000 |
| Interest-bearing deposits | 200,128,000 | 199,478,000 | 197,415,000 | 211,937,000 |
| Noninterest-bearing deposits | 951,000 | 1,160,000 | 944,000 | 905,000 |
| Equity capital | 34,731,000 | 34,468,000 | 34,191,000 | 34,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,373,000 | 6,706,000 | 10,478,000 | 14,585,000 |
| Interest expense | 2,006,000 | 3,841,000 | 5,806,000 | 7,795,000 |
| Net interest income | 1,367,000 | 2,865,000 | 4,672,000 | 6,790,000 |
| Noninterest income | 55,000 | 31,000 | 68,000 | 139,000 |
| Noninterest expense | 1,026,000 | 2,060,000 | 3,164,000 | 4,302,000 |
| Provision for loan losses | 185,000 | 435,000 | 820,000 | 997,000 |
| Pretax income | 211,000 | 401,000 | 756,000 | 1,383,000 |
| Income tax | 69,000 | 130,000 | 251,000 | 464,000 |
| Net income | 142,000 | 271,000 | 505,000 | 919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,942,000 | 34,070,000 | 34,172,000 | 34,716,000 |
| Total capital | 34,734,000 | 34,758,000 | 34,761,000 | 35,318,000 |
| Risk-weighted assets | 74,228,000 | 78,440,000 | 82,352,000 | 84,537,000 |