Call reports 2013
BELMONT SAVINGS BANK — 2013
What BELMONT SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 494,085,000 | 527,869,000 | 548,456,000 | 574,276,000 |
| Total loans | 81,869,000 | 83,737,000 | 84,964,000 | 86,065,000 |
| Allowance for loan losses | 1,103,000 | 1,060,000 | 1,600,000 | 1,734,000 |
| Securities available for sale | 106,028,000 | 115,440,000 | 107,689,000 | 103,195,000 |
| Securities held to maturity | 292,067,000 | 314,133,000 | 340,614,000 | 369,255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,617,000 | 360,117,000 | 356,772,000 | 349,740,000 |
| Interest-bearing deposits | 346,877,000 | 358,656,000 | 355,273,000 | 348,639,000 |
| Noninterest-bearing deposits | 1,740,000 | 1,461,000 | 1,499,000 | 1,101,000 |
| Equity capital | 46,625,000 | 46,475,000 | 47,010,000 | 47,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,782,000 | 7,606,000 | 11,952,000 | 16,716,000 |
| Interest expense | 1,190,000 | 2,311,000 | 3,427,000 | 4,522,000 |
| Net interest income | 2,592,000 | 5,295,000 | 8,525,000 | 12,194,000 |
| Noninterest income | 64,000 | 160,000 | 243,000 | 316,000 |
| Noninterest expense | 1,585,000 | 3,203,000 | 4,845,000 | 6,579,000 |
| Provision for loan losses | 350,000 | 525,000 | 1,479,000 | 1,779,000 |
| Pretax income | 721,000 | 1,727,000 | 2,444,000 | 4,152,000 |
| Income tax | 245,000 | 587,000 | 831,000 | 1,412,000 |
| Net income | 476,000 | 1,140,000 | 1,613,000 | 2,740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,537,000 | 46,200,000 | 46,673,000 | 47,801,000 |
| Total capital | 46,640,000 | 47,260,000 | 48,303,000 | 49,604,000 |
| Risk-weighted assets | 127,540,000 | 132,466,000 | 137,533,000 | 143,142,000 |