Call reports 2023
BELMONT SAVINGS BANK, SSB — 2023
What BELMONT SAVINGS BANK, SSB reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 116,422,000 | 114,590,000 | 120,864,000 | 120,085,000 |
| Total loans | 93,281,000 | 94,027,000 | 97,072,000 | 101,105,000 |
| Allowance for loan losses | 346,000 | 346,000 | 358,000 | 358,000 |
| Securities available for sale | 9,591,000 | 9,520,000 | 9,067,000 | 9,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,175,000 | 85,366,000 | 92,078,000 | 90,890,000 |
| Interest-bearing deposits | 86,018,000 | 79,628,000 | 86,045,000 | 86,823,000 |
| Noninterest-bearing deposits | 6,157,000 | 5,738,000 | 6,033,000 | 4,067,000 |
| Equity capital | 18,935,000 | 18,854,000 | 18,437,000 | 18,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,094,000 | 2,249,000 | 3,479,000 | 4,813,000 |
| Interest expense | 282,000 | 734,000 | 1,312,000 | 2,005,000 |
| Net interest income | 812,000 | 1,515,000 | 2,167,000 | 2,808,000 |
| Noninterest income | 17,000 | 32,000 | 67,000 | 83,000 |
| Noninterest expense | 737,000 | 1,506,000 | 2,255,000 | 3,031,000 |
| Provision for loan losses | 15,000 | 15,000 | 27,000 | 27,000 |
| Pretax income | 77,000 | 26,000 | -48,000 | -167,000 |
| Income tax | 8,000 | -11,000 | -10,000 | -42,000 |
| Net income | 69,000 | 37,000 | -38,000 | -125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,186,000 | 20,155,000 | 20,079,000 | 19,964,000 |