Call reports 2015
BELMONT SAVINGS BANK, SSB — 2015
What BELMONT SAVINGS BANK, SSB 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 | 95,963,000 | 95,310,000 | 95,869,000 | 93,829,000 |
| Total loans | 60,183,000 | 60,939,000 | 62,242,000 | 62,664,000 |
| Allowance for loan losses | 282,000 | 257,000 | 263,000 | 274,000 |
| Securities available for sale | 100,000 | 97,000 | 97,000 | 71,000 |
| Securities held to maturity | 17,819,000 | 17,818,000 | 17,810,000 | 16,351,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,446,000 | 77,658,000 | 78,045,000 | 76,047,000 |
| Interest-bearing deposits | 77,686,000 | 76,827,000 | 76,991,000 | 74,932,000 |
| Noninterest-bearing deposits | 760,000 | 831,000 | 1,054,000 | 1,115,000 |
| Equity capital | 17,108,000 | 17,231,000 | 17,361,000 | 17,453,000 |
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 | 825,000 | 1,674,000 | 2,508,000 | 3,359,000 |
| Interest expense | 88,000 | 177,000 | 265,000 | 357,000 |
| Net interest income | 737,000 | 1,497,000 | 2,243,000 | 3,002,000 |
| Noninterest income | 9,000 | 15,000 | 26,000 | 14,000 |
| Noninterest expense | 579,000 | 1,148,000 | 1,634,000 | 2,220,000 |
| Provision for loan losses | 10,000 | 10,000 | 37,000 | 48,000 |
| Pretax income | 157,000 | 354,000 | 598,000 | 748,000 |
| Income tax | 44,000 | 116,000 | 233,000 | 265,000 |
| Net income | 113,000 | 238,000 | 365,000 | 483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,108,000 | 17,231,000 | 17,361,000 | 17,453,000 |
| Total capital | 17,390,000 | 17,488,000 | 17,624,000 | 17,727,000 |
| Risk-weighted assets | 43,772,000 | 43,110,000 | 44,650,000 | 44,156,000 |