Call reports 2023
BELMONT SAVINGS BANK — 2023
What BELMONT SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 432,287,000 | 449,382,000 | 482,954,000 | 485,838,000 |
| Total loans | 207,788,000 | 228,467,000 | 252,922,000 | 268,135,000 |
| Allowance for loan losses | 1,793,000 | 1,850,000 | 1,977,000 | 2,041,000 |
| Securities available for sale | 179,104,000 | 173,788,000 | 160,488,000 | 168,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,477,000 | 328,014,000 | 346,014,000 | 356,814,000 |
| Interest-bearing deposits | 308,822,000 | 308,618,000 | 325,120,000 | 339,741,000 |
| Noninterest-bearing deposits | 21,655,000 | 19,396,000 | 20,894,000 | 17,073,000 |
| Equity capital | 57,283,000 | 56,019,000 | 49,207,000 | 57,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,756,000 | 7,803,000 | 12,261,000 | 17,038,000 |
| Interest expense | 872,000 | 2,265,000 | 4,199,000 | 6,468,000 |
| Net interest income | 2,884,000 | 5,538,000 | 8,062,000 | 10,570,000 |
| Noninterest income | 249,000 | 517,000 | 787,000 | 1,067,000 |
| Noninterest expense | 2,377,000 | 4,771,000 | 7,177,000 | 9,393,000 |
| Provision for loan losses | 0 | 65,000 | 220,000 | 310,000 |
| Pretax income | 756,000 | 1,220,000 | 1,433,000 | 1,897,000 |
| Income tax | 75,000 | 89,000 | 31,000 | 26,000 |
| Net income | 681,000 | 1,131,000 | 1,402,000 | 1,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,370,000 | 79,819,000 | 80,090,000 | 80,560,000 |