Call reports 2012
BELMONT SAVINGS BANK — 2012
What BELMONT SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 509,358,000 | 521,661,000 | 503,050,000 | 481,039,000 |
| Total loans | 78,071,000 | 80,337,000 | 82,027,000 | 82,879,000 |
| Allowance for loan losses | 2,630,000 | 2,559,000 | 1,809,000 | 1,044,000 |
| Securities available for sale | 117,652,000 | 120,792,000 | 116,098,000 | 108,563,000 |
| Securities held to maturity | 300,818,000 | 309,888,000 | 293,381,000 | 277,969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,496,000 | 361,663,000 | 355,474,000 | 349,481,000 |
| Interest-bearing deposits | 354,162,000 | 360,313,000 | 353,998,000 | 348,161,000 |
| Noninterest-bearing deposits | 1,334,000 | 1,350,000 | 1,476,000 | 1,320,000 |
| Equity capital | 43,646,000 | 44,755,000 | 46,015,000 | 46,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,870,000 | 9,369,000 | 13,226,000 | 16,586,000 |
| Interest expense | 1,792,000 | 3,591,000 | 5,250,000 | 6,708,000 |
| Net interest income | 3,078,000 | 5,778,000 | 7,976,000 | 9,878,000 |
| Noninterest income | 62,000 | 129,000 | 197,000 | 263,000 |
| Noninterest expense | 1,438,000 | 2,933,000 | 4,457,000 | 6,035,000 |
| Provision for loan losses | 300,000 | 610,000 | -70,000 | -580,000 |
| Pretax income | 1,402,000 | 2,364,000 | 3,786,000 | 4,686,000 |
| Income tax | 477,000 | 804,000 | 1,287,000 | 1,593,000 |
| Net income | 925,000 | 1,560,000 | 2,499,000 | 3,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,893,000 | 43,528,000 | 44,467,000 | 45,060,000 |
| Total capital | 44,470,000 | 45,149,000 | 46,071,000 | 46,104,000 |
| Risk-weighted assets | 125,142,000 | 128,762,000 | 128,105,000 | 124,243,000 |