Call reports 2008
BELMONT BANK & TRUST COMPANY — 2008
What BELMONT BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 102,533,000 | 110,788,000 | 127,711,000 | 128,868,000 |
| Total loans | 62,948,000 | 79,047,000 | 87,709,000 | 91,310,000 |
| Allowance for loan losses | 789,000 | 988,000 | 1,102,000 | 1,235,000 |
| Securities available for sale | 26,889,000 | 23,351,000 | 24,461,000 | 29,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,953,000 | 100,356,000 | 116,940,000 | 115,592,000 |
| Interest-bearing deposits | 86,520,000 | 93,262,000 | 107,639,000 | 107,647,000 |
| Noninterest-bearing deposits | 5,433,000 | 7,094,000 | 9,301,000 | 7,945,000 |
| Equity capital | 9,943,000 | 9,651,000 | 9,883,000 | 10,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,546,000 | 3,210,000 | 5,057,000 | 6,992,000 |
| Interest expense | 916,000 | 1,859,000 | 2,855,000 | 3,866,000 |
| Net interest income | 630,000 | 1,351,000 | 2,202,000 | 3,126,000 |
| Noninterest income | 16,000 | 53,000 | 91,000 | 134,000 |
| Noninterest expense | 658,000 | 1,215,000 | 1,932,000 | 2,638,000 |
| Provision for loan losses | 147,000 | 346,000 | 460,000 | 593,000 |
| Pretax income | -152,000 | -162,000 | -101,000 | 27,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -152,000 | -162,000 | -101,000 | 27,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,910,000 | 9,899,000 | 9,960,000 | 10,638,000 |
| Total capital | 10,700,000 | 10,887,000 | 11,062,000 | 11,771,000 |
| Risk-weighted assets | 71,072,000 | 83,851,000 | 92,236,000 | 90,509,000 |