Call reports 2011
BELMONT BANK & TRUST COMPANY — 2011
What BELMONT BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 160,485,000 | 174,603,000 | 180,013,000 | 177,276,000 |
| Total loans | 112,814,000 | 115,441,000 | 121,448,000 | 122,642,000 |
| Allowance for loan losses | 2,254,000 | 2,530,000 | 3,000,000 | 2,806,000 |
| Securities available for sale | 33,577,000 | 37,719,000 | 42,937,000 | 42,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,649,000 | 154,156,000 | 160,388,000 | 157,770,000 |
| Interest-bearing deposits | 124,224,000 | 131,676,000 | 134,105,000 | 130,387,000 |
| Noninterest-bearing deposits | 18,425,000 | 22,480,000 | 26,283,000 | 27,383,000 |
| Equity capital | 16,974,000 | 17,947,000 | 18,677,000 | 18,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,856,000 | 3,779,000 | 5,768,000 | 7,819,000 |
| Interest expense | 375,000 | 743,000 | 1,112,000 | 1,460,000 |
| Net interest income | 1,481,000 | 3,036,000 | 4,656,000 | 6,359,000 |
| Noninterest income | 105,000 | 243,000 | 364,000 | 498,000 |
| Noninterest expense | 923,000 | 1,922,000 | 2,961,000 | 3,869,000 |
| Provision for loan losses | 489,000 | 764,000 | 1,289,000 | 2,197,000 |
| Pretax income | 214,000 | 649,000 | 881,000 | 982,000 |
| Income tax | 51,000 | 225,000 | 293,000 | 171,000 |
| Net income | 163,000 | 424,000 | 588,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,951,000 | 17,227,000 | 17,819,000 | 18,058,000 |
| Total capital | 18,251,000 | 18,554,000 | 19,242,000 | 19,495,000 |
| Risk-weighted assets | 102,903,000 | 104,936,000 | 112,259,000 | 113,643,000 |