Call reports 2007
BELMONT BANK & TRUST COMPANY — 2007
What BELMONT BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 37,550,000 | 56,275,000 | 75,220,000 | 86,872,000 |
| Total loans | 11,857,000 | 22,838,000 | 38,601,000 | 51,188,000 |
| Allowance for loan losses | 149,000 | 317,000 | 485,000 | 642,000 |
| Securities available for sale | 10,212,000 | 12,662,000 | 13,181,000 | 11,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,675,000 | 45,044,000 | 64,466,000 | 75,501,000 |
| Interest-bearing deposits | 24,207,000 | 36,468,000 | 56,898,000 | 70,581,000 |
| Noninterest-bearing deposits | 2,468,000 | 8,576,000 | 7,568,000 | 4,920,000 |
| Equity capital | 10,644,000 | 10,326,000 | 10,121,000 | 10,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 483,000 | 1,174,000 | 2,253,000 | 3,650,000 |
| Interest expense | 234,000 | 593,000 | 1,131,000 | 1,906,000 |
| Net interest income | 249,000 | 581,000 | 1,122,000 | 1,744,000 |
| Noninterest income | 1,000 | 5,000 | 10,000 | 16,000 |
| Noninterest expense | 454,000 | 917,000 | 1,543,000 | 2,039,000 |
| Provision for loan losses | 95,000 | 263,000 | 431,000 | 588,000 |
| Pretax income | -299,000 | -594,000 | -842,000 | -866,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -299,000 | -594,000 | -842,000 | -866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,642,000 | 10,347,000 | 10,099,000 | 10,061,000 |
| Total capital | 10,791,000 | 10,664,000 | 10,584,000 | 10,703,000 |
| Risk-weighted assets | 17,067,000 | 32,574,000 | 49,093,000 | 57,873,000 |