Call reports 2016
BELMONT BANK & TRUST COMPANY — 2016
What BELMONT BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 346,637,000 | 346,212,000 | 365,492,000 | 376,127,000 |
| Total loans | 233,371,000 | 252,915,000 | 268,067,000 | 275,230,000 |
| Allowance for loan losses | 3,529,000 | 3,711,000 | 3,777,000 | 3,981,000 |
| Securities available for sale | 84,993,000 | 84,007,000 | 80,140,000 | 78,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,239,000 | 308,985,000 | 328,166,000 | 339,210,000 |
| Interest-bearing deposits | 253,002,000 | 255,087,000 | 265,579,000 | 276,846,000 |
| Noninterest-bearing deposits | 59,237,000 | 53,898,000 | 62,587,000 | 62,364,000 |
| Equity capital | 32,921,000 | 34,921,000 | 35,866,000 | 35,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,669,000 | 7,293,000 | 11,237,000 | 15,312,000 |
| Interest expense | 419,000 | 845,000 | 1,298,000 | 1,786,000 |
| Net interest income | 3,250,000 | 6,448,000 | 9,939,000 | 13,526,000 |
| Noninterest income | 233,000 | 465,000 | 743,000 | 1,033,000 |
| Noninterest expense | 1,455,000 | 2,955,000 | 4,493,000 | 5,929,000 |
| Provision for loan losses | 200,000 | 380,000 | 670,000 | 870,000 |
| Pretax income | 1,828,000 | 3,667,000 | 5,649,000 | 7,893,000 |
| Income tax | 633,000 | 1,298,000 | 1,995,000 | 2,721,000 |
| Net income | 1,195,000 | 2,369,000 | 3,654,000 | 5,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,284,000 | 33,559,000 | 34,757,000 | 36,004,000 |
| Total capital | 35,319,000 | 36,805,000 | 38,196,000 | 39,498,000 |
| Risk-weighted assets | 242,272,000 | 259,256,000 | 274,753,000 | 279,052,000 |