Call reports 2009
BELMONT BANK & TRUST COMPANY — 2009
What BELMONT BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 137,858,000 | 145,258,000 | 141,467,000 | 140,905,000 |
| Total loans | 103,284,000 | 104,301,000 | 97,450,000 | 99,075,000 |
| Allowance for loan losses | 1,605,000 | 1,711,000 | 1,568,000 | 1,599,000 |
| Securities available for sale | 26,648,000 | 24,483,000 | 31,975,000 | 31,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,168,000 | 130,736,000 | 124,088,000 | 123,845,000 |
| Interest-bearing deposits | 115,612,000 | 120,930,000 | 112,610,000 | 111,741,000 |
| Noninterest-bearing deposits | 8,556,000 | 9,806,000 | 11,478,000 | 12,104,000 |
| Equity capital | 12,867,000 | 13,185,000 | 14,617,000 | 14,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,007,000 | 3,851,000 | 5,705,000 | 7,473,000 |
| Interest expense | 927,000 | 1,836,000 | 2,718,000 | 3,453,000 |
| Net interest income | 1,080,000 | 2,015,000 | 2,987,000 | 4,020,000 |
| Noninterest income | 27,000 | 54,000 | 76,000 | 84,000 |
| Noninterest expense | 838,000 | 1,747,000 | 2,592,000 | 3,501,000 |
| Provision for loan losses | 373,000 | 579,000 | 695,000 | 745,000 |
| Pretax income | -59,000 | -198,000 | -149,000 | 256,000 |
| Income tax | -746,000 | -720,000 | -701,000 | -670,000 |
| Net income | 687,000 | 522,000 | 552,000 | 926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,986,000 | 12,533,000 | 13,421,000 | 14,581,000 |
| Total capital | 13,261,000 | 13,766,000 | 14,552,000 | 15,697,000 |
| Risk-weighted assets | 101,697,000 | 98,184,000 | 90,039,000 | 88,816,000 |