Call reports 2013
BELMONT BANK & TRUST COMPANY — 2013
What BELMONT BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 221,219,000 | 220,759,000 | 234,144,000 | 244,530,000 |
| Total loans | 139,897,000 | 146,863,000 | 162,919,000 | 168,495,000 |
| Allowance for loan losses | 3,381,000 | 3,291,000 | 3,469,000 | 3,626,000 |
| Securities available for sale | 50,254,000 | 52,803,000 | 53,357,000 | 52,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,104,000 | 197,139,000 | 210,869,000 | 220,480,000 |
| Interest-bearing deposits | 167,513,000 | 162,683,000 | 174,993,000 | 182,525,000 |
| Noninterest-bearing deposits | 30,591,000 | 34,456,000 | 35,876,000 | 37,955,000 |
| Equity capital | 21,630,000 | 20,849,000 | 21,907,000 | 22,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,219,000 | 4,489,000 | 6,989,000 | 9,613,000 |
| Interest expense | 332,000 | 666,000 | 1,004,000 | 1,347,000 |
| Net interest income | 1,887,000 | 3,823,000 | 5,985,000 | 8,266,000 |
| Noninterest income | 151,000 | 416,000 | 614,000 | 716,000 |
| Noninterest expense | 1,059,000 | 2,149,000 | 3,259,000 | 4,324,000 |
| Provision for loan losses | 120,000 | 285,000 | 460,000 | 615,000 |
| Pretax income | 904,000 | 1,850,000 | 2,925,000 | 4,088,000 |
| Income tax | 330,000 | 671,000 | 1,069,000 | 1,505,000 |
| Net income | 574,000 | 1,179,000 | 1,856,000 | 2,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,230,000 | 21,913,000 | 22,655,000 | 23,895,000 |
| Total capital | 22,927,000 | 23,728,000 | 24,630,000 | 25,945,000 |
| Risk-weighted assets | 134,069,000 | 143,716,000 | 156,512,000 | 162,433,000 |