Call reports 2022
BELMONT SAVINGS BANK, SSB — 2022
What BELMONT SAVINGS BANK, SSB reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 113,118,000 | 114,465,000 | 113,489,000 | 109,668,000 |
| Total loans | 78,013,000 | 82,383,000 | 86,837,000 | 89,353,000 |
| Allowance for loan losses | 284,000 | 300,000 | 315,000 | 331,000 |
| Securities available for sale | 7,138,000 | 8,075,000 | 10,576,000 | 10,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,394,000 | 95,238,000 | 94,861,000 | 90,669,000 |
| Interest-bearing deposits | 89,444,000 | 90,539,000 | 89,882,000 | 85,790,000 |
| Noninterest-bearing deposits | 3,950,000 | 4,699,000 | 4,979,000 | 4,879,000 |
| Equity capital | 19,443,000 | 18,939,000 | 18,310,000 | 18,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 855,000 | 1,781,000 | 2,780,000 | 3,822,000 |
| Interest expense | 87,000 | 171,000 | 253,000 | 367,000 |
| Net interest income | 768,000 | 1,610,000 | 2,527,000 | 3,455,000 |
| Noninterest income | 16,000 | 30,000 | 48,000 | 62,000 |
| Noninterest expense | 656,000 | 1,358,000 | 2,149,000 | 2,860,000 |
| Provision for loan losses | 9,000 | 26,000 | 40,000 | 56,000 |
| Pretax income | 119,000 | 256,000 | 386,000 | 601,000 |
| Income tax | 21,000 | 44,000 | 73,000 | 109,000 |
| Net income | 98,000 | 212,000 | 313,000 | 492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,722,000 | 19,836,000 | 19,937,000 | 20,117,000 |