Call reports 2025
BELMONT BANK & TRUST COMPANY — 2025
What BELMONT BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 977,841,000 | 963,792,000 | 993,573,000 | 1,020,933,000 |
| Total loans | 736,407,000 | 734,832,000 | 747,188,000 | 743,538,000 |
| Allowance for loan losses | 8,545,000 | 8,517,000 | 8,526,000 | 8,895,000 |
| Securities available for sale | 149,542,000 | 148,478,000 | 146,991,000 | 145,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 862,180,000 | 844,487,000 | 872,457,000 | 895,565,000 |
| Interest-bearing deposits | 647,568,000 | 658,167,000 | 671,435,000 | 685,383,000 |
| Noninterest-bearing deposits | 214,612,000 | 186,320,000 | 201,022,000 | 210,182,000 |
| Equity capital | 105,573,000 | 110,112,000 | 107,915,000 | 106,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 14,307,000 | 28,983,000 | 44,464,000 | 60,460,000 |
| Interest expense | 5,315,000 | 10,832,000 | 16,527,000 | 22,241,000 |
| Net interest income | 8,992,000 | 18,151,000 | 27,937,000 | 38,219,000 |
| Noninterest income | 628,000 | 1,268,000 | 1,852,000 | 2,489,000 |
| Noninterest expense | 4,871,000 | 9,858,000 | 14,984,000 | 20,198,000 |
| Provision for loan losses | 292,000 | 449,000 | 817,000 | 1,167,000 |
| Pretax income | 4,494,000 | 9,106,000 | 13,950,000 | 19,342,000 |
| Income tax | 1,264,000 | 2,531,000 | 3,864,000 | 5,295,000 |
| Net income | 3,230,000 | 6,575,000 | 10,086,000 | 14,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,469,000 | 121,879,000 | 117,955,000 | 115,986,000 |
| Total capital | 127,079,000 | 130,504,000 | 126,621,000 | 125,020,000 |
| Risk-weighted assets | 769,909,000 | 769,213,000 | 782,615,000 | 779,513,000 |