Call reports 2019
BELMONT SAVINGS BANK, SSB — 2019
What BELMONT SAVINGS BANK, SSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 91,551,000 | 91,536,000 | 92,194,000 | 91,409,000 |
| Total loans | 68,248,000 | 69,239,000 | 70,456,000 | 71,503,000 |
| Allowance for loan losses | 263,000 | 263,000 | 263,000 | 263,000 |
| Securities available for sale | 119,000 | 115,000 | 5,160,000 | 4,132,000 |
| Securities held to maturity | 8,000,000 | 5,000,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,547,000 | 72,441,000 | 72,932,000 | 72,120,000 |
| Interest-bearing deposits | 70,585,000 | 70,541,000 | 70,847,000 | 70,343,000 |
| Noninterest-bearing deposits | 1,962,000 | 1,900,000 | 2,085,000 | 1,777,000 |
| Equity capital | 18,718,000 | 18,784,000 | 18,916,000 | 18,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 869,000 | 1,735,000 | 2,638,000 | 3,514,000 |
| Interest expense | 209,000 | 438,000 | 693,000 | 945,000 |
| Net interest income | 660,000 | 1,297,000 | 1,945,000 | 2,569,000 |
| Noninterest income | 8,000 | 17,000 | 28,000 | 43,000 |
| Noninterest expense | 592,000 | 1,147,000 | 1,675,000 | 2,254,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 76,000 | 167,000 | 298,000 | 358,000 |
| Income tax | 18,000 | 39,000 | 61,000 | 74,000 |
| Net income | 58,000 | 128,000 | 237,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,718,000 | 18,692,000 | 18,800,000 | 18,823,000 |
| Total capital | 18,981,000 | 18,997,000 | 19,130,000 | 19,141,000 |
| Risk-weighted assets | 46,673,000 | 46,588,000 | 47,791,000 | 48,167,000 |