Call reports 2014
BELMONT BANK & TRUST COMPANY — 2014
What BELMONT BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 245,436,000 | 250,776,000 | 268,970,000 | 282,642,000 |
| Total loans | 176,310,000 | 179,778,000 | 190,850,000 | 184,395,000 |
| Allowance for loan losses | 3,734,000 | 3,688,000 | 3,612,000 | 3,410,000 |
| Securities available for sale | 57,283,000 | 58,439,000 | 60,424,000 | 79,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,835,000 | 224,705,000 | 240,714,000 | 253,952,000 |
| Interest-bearing deposits | 182,781,000 | 182,088,000 | 187,786,000 | 204,046,000 |
| Noninterest-bearing deposits | 37,054,000 | 42,617,000 | 52,928,000 | 49,906,000 |
| Equity capital | 24,086,000 | 25,344,000 | 26,112,000 | 27,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,684,000 | 5,482,000 | 8,354,000 | 11,741,000 |
| Interest expense | 325,000 | 640,000 | 959,000 | 1,292,000 |
| Net interest income | 2,359,000 | 4,842,000 | 7,395,000 | 10,449,000 |
| Noninterest income | 179,000 | 280,000 | 437,000 | 493,000 |
| Noninterest expense | 1,270,000 | 2,517,000 | 3,850,000 | 4,993,000 |
| Provision for loan losses | 150,000 | 300,000 | 490,000 | 775,000 |
| Pretax income | 1,133,000 | 2,329,000 | 3,584,000 | 5,311,000 |
| Income tax | 416,000 | 858,000 | 1,322,000 | 1,960,000 |
| Net income | 717,000 | 1,471,000 | 2,262,000 | 3,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,718,000 | 25,472,000 | 26,263,000 | 27,182,000 |
| Total capital | 26,866,000 | 27,671,000 | 28,616,000 | 29,488,000 |
| Risk-weighted assets | 170,227,000 | 174,429,000 | 186,950,000 | 183,351,000 |