Call reports 2014
BELMONT SAVINGS BANK — 2014
What BELMONT SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 594,187,000 | 616,206,000 | 634,868,000 | 647,599,000 |
| Total loans | 85,245,000 | 86,503,000 | 86,937,000 | 87,288,000 |
| Allowance for loan losses | 1,811,000 | 1,841,000 | 1,929,000 | 1,749,000 |
| Securities available for sale | 112,637,000 | 124,916,000 | 128,224,000 | 137,381,000 |
| Securities held to maturity | 380,021,000 | 389,269,000 | 402,073,000 | 406,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,656,000 | 366,206,000 | 367,251,000 | 377,463,000 |
| Interest-bearing deposits | 357,549,000 | 364,643,000 | 365,854,000 | 375,812,000 |
| Noninterest-bearing deposits | 1,107,000 | 1,563,000 | 1,397,000 | 1,651,000 |
| Equity capital | 49,607,000 | 51,346,000 | 52,628,000 | 54,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,316,000 | 10,811,000 | 16,104,000 | 21,514,000 |
| Interest expense | 1,030,000 | 2,061,000 | 3,126,000 | 4,253,000 |
| Net interest income | 4,286,000 | 8,750,000 | 12,978,000 | 17,261,000 |
| Noninterest income | 77,000 | 159,000 | 244,000 | 329,000 |
| Noninterest expense | 1,752,000 | 3,463,000 | 5,142,000 | 6,948,000 |
| Provision for loan losses | 350,000 | 880,000 | 1,145,000 | 1,395,000 |
| Pretax income | 2,261,000 | 4,566,000 | 6,935,000 | 9,247,000 |
| Income tax | 769,000 | 1,552,000 | 2,358,000 | 3,144,000 |
| Net income | 1,492,000 | 3,014,000 | 4,577,000 | 6,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,293,000 | 50,814,000 | 52,378,000 | 53,904,000 |
| Total capital | 51,191,000 | 52,745,000 | 54,367,000 | 55,698,000 |
| Risk-weighted assets | 144,522,000 | 149,461,000 | 154,442,000 | 155,237,000 |