Call reports 2012
BELMONT BANK & TRUST COMPANY — 2012
What BELMONT BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 175,903,000 | 184,288,000 | 204,452,000 | 205,397,000 |
| Total loans | 125,346,000 | 135,674,000 | 137,204,000 | 137,643,000 |
| Allowance for loan losses | 3,642,000 | 3,859,000 | 3,806,000 | 3,447,000 |
| Securities available for sale | 38,396,000 | 36,578,000 | 40,993,000 | 43,289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,521,000 | 163,867,000 | 180,400,000 | 183,032,000 |
| Interest-bearing deposits | 132,427,000 | 139,428,000 | 147,076,000 | 153,716,000 |
| Noninterest-bearing deposits | 24,094,000 | 24,439,000 | 33,324,000 | 29,316,000 |
| Equity capital | 18,910,000 | 19,587,000 | 20,143,000 | 20,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,028,000 | 4,055,000 | 6,298,000 | 8,532,000 |
| Interest expense | 309,000 | 603,000 | 923,000 | 1,241,000 |
| Net interest income | 1,719,000 | 3,452,000 | 5,375,000 | 7,291,000 |
| Noninterest income | 127,000 | 253,000 | 404,000 | 398,000 |
| Noninterest expense | 999,000 | 2,024,000 | 3,105,000 | 3,930,000 |
| Provision for loan losses | 835,000 | 1,150,000 | 1,390,000 | 1,765,000 |
| Pretax income | 228,000 | 964,000 | 1,860,000 | 2,772,000 |
| Income tax | 58,000 | 312,000 | 635,000 | 971,000 |
| Net income | 170,000 | 652,000 | 1,225,000 | 1,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,243,000 | 18,741,000 | 19,330,000 | 19,906,000 |
| Total capital | 19,710,000 | 20,334,000 | 20,957,000 | 21,540,000 |
| Risk-weighted assets | 115,209,000 | 125,209,000 | 127,954,000 | 128,939,000 |