Call reports 2013
BELMONT SAVINGS BANK, SSB — 2013
What BELMONT SAVINGS BANK, SSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 103,006,000 | 103,564,000 | 105,723,000 | 100,155,000 |
| Total loans | 57,734,000 | 58,725,000 | 58,077,000 | 58,302,000 |
| Allowance for loan losses | 294,000 | 294,000 | 262,000 | 266,000 |
| Securities available for sale | 11,000 | 11,000 | 56,000 | 128,000 |
| Securities held to maturity | 18,826,000 | 19,825,000 | 20,824,000 | 20,823,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,433,000 | 86,849,000 | 88,864,000 | 83,217,000 |
| Interest-bearing deposits | 86,204,000 | 86,275,000 | 88,248,000 | 82,652,000 |
| Noninterest-bearing deposits | 229,000 | 574,000 | 616,000 | 565,000 |
| Equity capital | 16,096,000 | 16,208,000 | 16,358,000 | 16,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 876,000 | 1,676,000 | 2,536,000 | 3,382,000 |
| Interest expense | 135,000 | 264,000 | 382,000 | 485,000 |
| Net interest income | 741,000 | 1,412,000 | 2,154,000 | 2,897,000 |
| Noninterest income | 7,000 | 13,000 | 28,000 | 41,000 |
| Noninterest expense | 580,000 | 1,115,000 | 1,616,000 | 2,189,000 |
| Provision for loan losses | 45,000 | 45,000 | 56,000 | 60,000 |
| Pretax income | 123,000 | 265,000 | 510,000 | 689,000 |
| Income tax | 33,000 | 63,000 | 186,000 | 247,000 |
| Net income | 90,000 | 202,000 | 324,000 | 442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,096,000 | 16,208,000 | 16,330,000 | 16,448,000 |
| Total capital | 16,390,000 | 16,502,000 | 16,592,000 | 16,714,000 |
| Risk-weighted assets | 41,281,000 | 41,979,000 | 42,163,000 | 41,354,000 |
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