Call reports 2020
BELMONT SAVINGS BANK, SSB — 2020
What BELMONT SAVINGS BANK, SSB reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 95,017,000 | 93,972,000 | 95,450,000 | 95,647,000 |
| Total loans | 72,690,000 | 73,383,000 | 73,901,000 | 72,004,000 |
| Allowance for loan losses | 264,000 | 267,000 | 269,000 | 269,000 |
| Securities available for sale | 1,067,000 | 2,011,000 | 917,000 | 1,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,732,000 | 74,505,000 | 75,870,000 | 75,885,000 |
| Interest-bearing deposits | 71,816,000 | 72,516,000 | 72,862,000 | 73,547,000 |
| Noninterest-bearing deposits | 3,916,000 | 1,989,000 | 3,008,000 | 2,338,000 |
| Equity capital | 18,976,000 | 19,131,000 | 19,228,000 | 19,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 902,000 | 1,798,000 | 2,691,000 | 3,582,000 |
| Interest expense | 241,000 | 462,000 | 661,000 | 830,000 |
| Net interest income | 661,000 | 1,336,000 | 2,030,000 | 2,752,000 |
| Noninterest income | 9,000 | 15,000 | 26,000 | 36,000 |
| Noninterest expense | 564,000 | 1,150,000 | 1,711,000 | 2,332,000 |
| Provision for loan losses | 1,000 | 4,000 | 6,000 | 6,000 |
| Pretax income | 105,000 | 197,000 | 265,000 | 398,000 |
| Income tax | 22,000 | 41,000 | 62,000 | 89,000 |
| Net income | 83,000 | 156,000 | 203,000 | 309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,931,000 | 19,003,000 | 19,165,000 | 19,270,000 |