Call reports 2015
BELMONT SAVINGS BANK — 2015
What BELMONT SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 628,376,000 | 594,344,000 | 561,796,000 | 540,664,000 |
| Total loans | 86,194,000 | 84,631,000 | 83,625,000 | 81,938,000 |
| Allowance for loan losses | 1,803,000 | 2,058,000 | 2,308,000 | 2,436,000 |
| Securities available for sale | 140,580,000 | 136,322,000 | 127,102,000 | 442,319,000 |
| Securities held to maturity | 386,582,000 | 358,397,000 | 336,701,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,497,000 | 374,067,000 | 362,814,000 | 349,692,000 |
| Interest-bearing deposits | 377,365,000 | 372,122,000 | 360,835,000 | 347,608,000 |
| Noninterest-bearing deposits | 2,132,000 | 1,945,000 | 1,979,000 | 2,084,000 |
| Equity capital | 55,929,000 | 56,227,000 | 57,510,000 | 61,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,175,000 | 9,812,000 | 14,397,000 | 18,781,000 |
| Interest expense | 1,137,000 | 2,227,000 | 3,255,000 | 4,165,000 |
| Net interest income | 4,038,000 | 7,585,000 | 11,142,000 | 14,616,000 |
| Noninterest income | 67,000 | 146,000 | 221,000 | 305,000 |
| Noninterest expense | 1,741,000 | 3,433,000 | 5,306,000 | 7,187,000 |
| Provision for loan losses | 498,000 | 898,000 | 1,263,000 | 1,723,000 |
| Pretax income | 1,866,000 | 3,400,000 | 4,794,000 | 6,011,000 |
| Income tax | 634,000 | 1,156,000 | 1,630,000 | 2,044,000 |
| Net income | 1,232,000 | 2,244,000 | 3,164,000 | 3,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,136,000 | 56,148,000 | 57,068,000 | 57,871,000 |
| Total capital | 56,990,000 | 57,959,000 | 58,798,000 | 59,516,000 |
| Risk-weighted assets | 148,723,000 | 140,671,000 | 133,923,000 | 128,048,000 |