Call reports 2025
BELMONT SAVINGS BANK, SSB — 2025
What BELMONT SAVINGS BANK, SSB reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 139,597,000 | 139,024,000 | 145,895,000 | 151,258,000 |
| Total loans | 117,462,000 | 119,008,000 | 122,230,000 | 128,383,000 |
| Allowance for loan losses | 435,000 | 449,000 | 440,000 | 470,000 |
| Securities available for sale | 7,608,000 | 7,452,000 | 7,727,000 | 7,866,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,136,000 | 96,071,000 | 100,741,000 | 102,328,000 |
| Interest-bearing deposits | 92,308,000 | 90,671,000 | 93,642,000 | 97,283,000 |
| Noninterest-bearing deposits | 4,828,000 | 5,400,000 | 7,099,000 | 5,045,000 |
| Equity capital | 18,568,000 | 18,538,000 | 18,746,000 | 19,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,648,000 | 3,355,000 | 5,091,000 | 6,954,000 |
| Interest expense | 911,000 | 1,818,000 | 2,728,000 | 3,690,000 |
| Net interest income | 737,000 | 1,537,000 | 2,363,000 | 3,264,000 |
| Noninterest income | 21,000 | 38,000 | 56,000 | 77,000 |
| Noninterest expense | 684,000 | 1,373,000 | 2,201,000 | 2,913,000 |
| Provision for loan losses | 20,000 | 34,000 | 25,000 | 55,000 |
| Pretax income | 47,000 | 141,000 | 170,000 | 364,000 |
| Income tax | 1,000 | 12,000 | 48,000 | 90,000 |
| Net income | 46,000 | 129,000 | 122,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,756,000 | 19,793,000 | 19,801,000 | 19,984,000 |