Call reports 2011
BELMONT SAVINGS BANK — 2011
What BELMONT SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 435,080,000 | 451,649,000 | 467,445,000 | 490,239,000 |
| Total loans | 70,002,000 | 72,654,000 | 75,684,000 | 78,413,000 |
| Allowance for loan losses | 1,817,000 | 1,973,000 | 2,282,000 | 2,517,000 |
| Securities available for sale | 116,060,000 | 111,672,000 | 112,304,000 | 119,760,000 |
| Securities held to maturity | 239,087,000 | 254,896,000 | 268,252,000 | 280,410,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,555,000 | 316,228,000 | 325,008,000 | 339,482,000 |
| Interest-bearing deposits | 308,280,000 | 314,599,000 | 323,851,000 | 338,405,000 |
| Noninterest-bearing deposits | 1,275,000 | 1,629,000 | 1,157,000 | 1,077,000 |
| Equity capital | 40,200,000 | 41,078,000 | 41,892,000 | 42,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,420,000 | 9,107,000 | 13,907,000 | 18,736,000 |
| Interest expense | 1,835,000 | 3,698,000 | 5,529,000 | 7,326,000 |
| Net interest income | 2,585,000 | 5,409,000 | 8,378,000 | 11,410,000 |
| Noninterest income | 61,000 | 124,000 | 187,000 | 248,000 |
| Noninterest expense | 1,393,000 | 2,821,000 | 4,162,000 | 5,638,000 |
| Provision for loan losses | 325,000 | 635,000 | 1,135,000 | 1,475,000 |
| Pretax income | 928,000 | 2,077,000 | 3,268,000 | 4,545,000 |
| Income tax | 315,000 | 706,000 | 1,111,000 | 1,545,000 |
| Net income | 613,000 | 1,371,000 | 2,157,000 | 3,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,581,000 | 40,338,000 | 41,125,000 | 41,968,000 |
| Total capital | 40,920,000 | 41,752,000 | 42,591,000 | 43,496,000 |
| Risk-weighted assets | 106,631,000 | 112,567,000 | 116,484,000 | 121,112,000 |