Call reports 2010
BELMONT BANK & TRUST COMPANY — 2010
What BELMONT BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 143,578,000 | 149,863,000 | 155,922,000 | 157,232,000 |
| Total loans | 100,440,000 | 99,711,000 | 103,699,000 | 106,540,000 |
| Allowance for loan losses | 1,624,000 | 1,643,000 | 1,753,000 | 1,838,000 |
| Securities available for sale | 31,212,000 | 30,421,000 | 30,022,000 | 34,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,352,000 | 131,847,000 | 135,455,000 | 138,965,000 |
| Interest-bearing deposits | 115,449,000 | 120,064,000 | 120,954,000 | 121,635,000 |
| Noninterest-bearing deposits | 10,903,000 | 11,783,000 | 14,501,000 | 17,330,000 |
| Equity capital | 15,847,000 | 16,464,000 | 16,772,000 | 16,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,791,000 | 3,566,000 | 5,405,000 | 7,202,000 |
| Interest expense | 523,000 | 973,000 | 1,421,000 | 1,844,000 |
| Net interest income | 1,268,000 | 2,593,000 | 3,984,000 | 5,358,000 |
| Noninterest income | 43,000 | 88,000 | 100,000 | 187,000 |
| Noninterest expense | 925,000 | 1,856,000 | 2,839,000 | 3,873,000 |
| Provision for loan losses | 189,000 | 474,000 | 811,000 | 900,000 |
| Pretax income | 199,000 | 413,000 | 713,000 | 1,148,000 |
| Income tax | 65,000 | 131,000 | 230,000 | 380,000 |
| Net income | 134,000 | 282,000 | 483,000 | 768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,135,000 | 15,466,000 | 15,700,000 | 16,206,000 |
| Total capital | 16,266,000 | 16,615,000 | 16,907,000 | 17,443,000 |
| Risk-weighted assets | 89,978,000 | 91,425,000 | 96,007,000 | 98,378,000 |