Call reports 2016
BELMONT SAVINGS BANK — 2016
What BELMONT SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 516,164,000 | 490,488,000 | 465,664,000 | 450,013,000 |
| Total loans | 78,564,000 | 76,276,000 | 73,591,000 | 73,548,000 |
| Allowance for loan losses | 2,451,000 | 2,344,000 | 2,293,000 | 2,111,000 |
| Securities available for sale | 423,570,000 | 400,956,000 | 378,491,000 | 363,699,000 |
| Securities held to maturity | 500,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,089,000 | 332,483,000 | 325,961,000 | 317,575,000 |
| Interest-bearing deposits | 335,620,000 | 329,869,000 | 323,015,000 | 314,768,000 |
| Noninterest-bearing deposits | 2,469,000 | 2,614,000 | 2,946,000 | 2,807,000 |
| Equity capital | 65,218,000 | 67,636,000 | 67,860,000 | 63,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,235,000 | 8,176,000 | 12,606,000 | 15,767,000 |
| Interest expense | 814,000 | 1,534,000 | 2,201,000 | 2,843,000 |
| Net interest income | 3,421,000 | 6,642,000 | 10,405,000 | 12,924,000 |
| Noninterest income | 83,000 | 165,000 | 248,000 | 333,000 |
| Noninterest expense | 1,921,000 | 3,563,000 | 5,305,000 | 6,863,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 1,483,000 | 3,144,000 | 5,193,000 | 6,656,000 |
| Income tax | 502,000 | 1,067,000 | 1,763,000 | 2,261,000 |
| Net income | 981,000 | 2,077,000 | 3,430,000 | 4,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,852,000 | 59,948,000 | 61,301,000 | 62,266,000 |
| Total capital | 60,399,000 | 61,433,000 | 62,723,000 | 63,743,000 |
| Risk-weighted assets | 120,554,000 | 114,607,000 | 110,145,000 | 110,410,000 |