Call reports 2012
BELMONT SAVINGS BANK, SSB — 2012
What BELMONT SAVINGS BANK, SSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 104,222,000 | 107,381,000 | 109,382,000 | 95,084,000 |
| Total loans | 57,920,000 | 57,828,000 | 57,628,000 | 57,883,000 |
| Allowance for loan losses | 242,000 | 249,000 | 249,000 | 249,000 |
| Securities available for sale | 13,000 | 11,000 | 11,000 | 11,000 |
| Securities held to maturity | 12,733,000 | 14,727,000 | 17,217,000 | 16,239,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,157,000 | 91,140,000 | 92,956,000 | 78,583,000 |
| Interest-bearing deposits | 87,972,000 | 90,927,000 | 92,763,000 | 78,324,000 |
| Noninterest-bearing deposits | 185,000 | 213,000 | 193,000 | 259,000 |
| Equity capital | 15,557,000 | 15,722,000 | 15,841,000 | 16,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 945,000 | 1,874,000 | 2,799,000 | 3,727,000 |
| Interest expense | 213,000 | 413,000 | 586,000 | 736,000 |
| Net interest income | 732,000 | 1,461,000 | 2,213,000 | 2,991,000 |
| Noninterest income | 11,000 | 18,000 | 27,000 | 34,000 |
| Noninterest expense | 539,000 | 1,054,000 | 1,567,000 | 2,109,000 |
| Provision for loan losses | 11,000 | 18,000 | 18,000 | 18,000 |
| Pretax income | 193,000 | 407,000 | 655,000 | 898,000 |
| Income tax | 59,000 | 109,000 | 236,000 | 315,000 |
| Net income | 134,000 | 298,000 | 419,000 | 583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,557,000 | 15,722,000 | 15,841,000 | 16,006,000 |
| Total capital | 15,799,000 | 15,971,000 | 16,090,000 | 16,255,000 |
| Risk-weighted assets | 43,206,000 | 42,877,000 | 41,763,000 | 41,476,000 |