Call reports 2015
BELMONT BANK & TRUST COMPANY — 2015
What BELMONT BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 298,656,000 | 316,811,000 | 317,046,000 | 334,453,000 |
| Total loans | 205,533,000 | 214,627,000 | 221,677,000 | 227,672,000 |
| Allowance for loan losses | 3,073,000 | 3,241,000 | 3,395,000 | 3,416,000 |
| Securities available for sale | 78,092,000 | 83,039,000 | 84,639,000 | 85,750,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,284,000 | 286,353,000 | 283,806,000 | 301,583,000 |
| Interest-bearing deposits | 216,007,000 | 224,143,000 | 228,230,000 | 250,699,000 |
| Noninterest-bearing deposits | 52,277,000 | 62,210,000 | 55,576,000 | 50,884,000 |
| Equity capital | 28,264,000 | 28,623,000 | 30,020,000 | 31,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,998,000 | 6,166,000 | 9,517,000 | 13,062,000 |
| Interest expense | 333,000 | 682,000 | 1,064,000 | 1,469,000 |
| Net interest income | 2,665,000 | 5,484,000 | 8,453,000 | 11,593,000 |
| Noninterest income | 218,000 | 475,000 | 740,000 | 927,000 |
| Noninterest expense | 1,444,000 | 2,908,000 | 4,369,000 | 5,543,000 |
| Provision for loan losses | 200,000 | 360,000 | 510,000 | 585,000 |
| Pretax income | 1,376,000 | 2,828,000 | 4,486,000 | 6,564,000 |
| Income tax | 501,000 | 1,033,000 | 1,627,000 | 2,407,000 |
| Net income | 875,000 | 1,795,000 | 2,859,000 | 4,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,498,000 | 28,587,000 | 29,647,000 | 31,077,000 |
| Total capital | 30,190,000 | 31,434,000 | 32,574,000 | 34,068,000 |
| Risk-weighted assets | 215,015,000 | 227,124,000 | 233,552,000 | 238,831,000 |