Call reports 2009
BELMONT SAVINGS BANK — 2009
What BELMONT SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 346,048,000 | 358,146,000 | 371,204,000 | 381,002,000 |
| Total loans | 60,985,000 | 61,621,000 | 64,590,000 | 65,939,000 |
| Allowance for loan losses | 736,000 | 913,000 | 1,100,000 | 1,243,000 |
| Securities available for sale | 36,457,000 | 56,344,000 | 61,130,000 | 59,982,000 |
| Securities held to maturity | 233,722,000 | 228,117,000 | 234,143,000 | 240,566,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,127,000 | 249,670,000 | 254,634,000 | 265,473,000 |
| Interest-bearing deposits | 240,170,000 | 248,507,000 | 253,737,000 | 264,498,000 |
| Noninterest-bearing deposits | 957,000 | 1,163,000 | 897,000 | 975,000 |
| Equity capital | 35,416,000 | 35,982,000 | 36,849,000 | 37,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,263,000 | 8,590,000 | 13,060,000 | 17,432,000 |
| Interest expense | 2,008,000 | 4,125,000 | 6,235,000 | 8,220,000 |
| Net interest income | 2,255,000 | 4,465,000 | 6,825,000 | 9,212,000 |
| Noninterest income | 55,000 | 135,000 | 197,000 | 236,000 |
| Noninterest expense | 1,080,000 | 2,346,000 | 3,550,000 | 4,994,000 |
| Provision for loan losses | 462,000 | 837,000 | 1,133,000 | 1,518,000 |
| Pretax income | 768,000 | 1,417,000 | 2,339,000 | 2,936,000 |
| Income tax | 261,000 | 482,000 | 795,000 | 998,000 |
| Net income | 507,000 | 935,000 | 1,544,000 | 1,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,224,000 | 35,640,000 | 36,262,000 | 36,656,000 |
| Total capital | 35,960,000 | 36,553,000 | 37,385,000 | 37,894,000 |
| Risk-weighted assets | 88,011,000 | 92,136,000 | 97,087,000 | 97,818,000 |