Call reports 2016
BELMONT SAVINGS BANK, SSB — 2016
What BELMONT SAVINGS BANK, SSB 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 | 94,806,000 | 95,087,000 | 95,430,000 | 95,272,000 |
| Total loans | 62,825,000 | 62,827,000 | 63,346,000 | 63,394,000 |
| Allowance for loan losses | 274,000 | 274,000 | 263,000 | 263,000 |
| Securities available for sale | 59,000 | 81,000 | 69,000 | 165,000 |
| Securities held to maturity | 12,999,000 | 6,460,000 | 6,000,000 | 7,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,910,000 | 77,073,000 | 77,347,000 | 76,531,000 |
| Interest-bearing deposits | 75,788,000 | 75,841,000 | 76,293,000 | 75,380,000 |
| Noninterest-bearing deposits | 1,122,000 | 1,232,000 | 1,054,000 | 1,151,000 |
| Equity capital | 17,561,000 | 17,666,000 | 17,674,000 | 18,132,000 |
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 | 832,000 | 1,620,000 | 2,396,000 | 3,155,000 |
| Interest expense | 90,000 | 182,000 | 278,000 | 375,000 |
| Net interest income | 742,000 | 1,438,000 | 2,118,000 | 2,780,000 |
| Noninterest income | 8,000 | 15,000 | 22,000 | 635,000 |
| Noninterest expense | 610,000 | 1,207,000 | 1,782,000 | 2,353,000 |
| Provision for loan losses | 0 | 0 | -11,000 | -11,000 |
| Pretax income | 140,000 | 246,000 | 369,000 | 1,073,000 |
| Income tax | 21,000 | 44,000 | 157,000 | 498,000 |
| Net income | 119,000 | 202,000 | 212,000 | 575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,561,000 | 17,666,000 | 17,674,000 | 18,132,000 |
| Total capital | 17,835,000 | 17,940,000 | 17,937,000 | 18,395,000 |
| Risk-weighted assets | 44,514,000 | 44,480,000 | 44,253,000 | 44,115,000 |