Belmont Savings Bank in Bellaire, Ohio (OH)

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Belmont Savings Bank
GeneralFDIC Certificate #: 28348
Status: Active
Federal Reserve ID: 72678
Date Established: January 01, 1886
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 1411
FDIC's unique #: 41182
Numeric code: 42
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: October 29, 1935
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 3301 Guernsey Street, Bellaire, OH 43906
County: Belmont
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Columbus
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Wheeling, WV-OH (#9000)
Core Based Statistical Area (CBSA): Wheeling, WV-OH (#48540)
CBSA Metro Statistical Area: Wheeling, WV-OH (#48540)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $490.2 mil
Equity capital: $42.7 mil
Deposits held in domestic offices: $339.5 mil
Return on assets (ROA): 0.66% ($3.2 mil)
Quarterly return on assets: 0.70% ($3.4 mil)
Return on Equity (ROE): 7.30% ($3.1 mil)
Quarterly return on equity: 7.98% ($3.4 mil)
Net income: $3.0 mil
Quarterly Net income: $0.8 mil
Pretax return on assets: 1.01% ($4,951.4 mil)
Quarterly Pretax return on assets: 1.07% ($5,245.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)58
Total assets$490,239
Cash and due from depository institutions$5,879
Interest-bearing balances$3,422
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$75,896
Loan loss allowance $2,517
Trading account assets$0
Bank premises and fixed assets$1,561
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$6,733
Life insurance assets$490,239
Total liabilities and capital$447,570
Total liabilities$339,482
Total deposits$338,405
Interest-bearing deposits$339,482
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$107,584
Other borrowed funds $0
Subordinated debt $504
All other liabilities $42,669
Total equity capital$42,669
Total bank equity capital$42,669
Perpetual preferred stock$0
Common stock$0
Undivided profits $42,669
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,897
Earning assets $0
Long-term assets (5+ years) $2,074
Average Assets, year-to-date $479,488
Average Assets, quarterly $300,173
Volatile liabilities $451,164
Insider loans $478,842
FHLB advances $121,112
Loans and leases held for sale $478,931
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $41,968
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,332
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $18,736
Total interest expense $7,326
Net interest income $11,410
Provision for loan and lease losses $1,475
Total noninterest income $248
Fiduciary activities $0
Service charges on deposit accounts $244
Trading account gains & fees $0
Additional noninterest income $4
Total noninterest expense $5,638
Salaries and employee benefits $2,385
Premises and equipment expense $484
Additional noninterest expense $2,769
Pre-tax net operating income $4,545
Securities gains (losses) $0
Applicable income taxes $1,545
Income before extraordinary items $3,000
Extraordinary gains - net $0
Net income attributable to bank $3,000
Net charge-offs $0
Cash dividends $3,000
Sale, conversion, retirement of capital stock, net $791
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.26%
Cost of funding earning assets 1.66%
Net interest margin 2.59%
Noninterest income to earning assets 0.06%
Noninterest expense to earning assets 1.28%
Net operating income to assets 0.66%
Return on assets (ROA) 0.66%
Pretax return on assets 1.01%
Return on equity (ROE) 7.30%
Retained earnings to average equity (YTD only) 7.30%
Net charge-offs to loans 1.08%
Credit loss provision to net charge-offs 186.47%
Efficiency ratio7.61%
Assets per employee$48,362
Cash dividends to net income (YTD only)8.45%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.21%
Noncurrent assets plus other real estate owned to assets 86.88%
Noncurrent loans to loans 0.59%
Net loans and leases to deposits3.69%
Net loans and leases to core deposits 22.36%
Equity capital to assets 24.54%
Core capital (leverage) ratio 8.70%
Tier 1 risk-based capital ratio 8.76%
Total risk-based capital ratio 34.65%
Average assets$36
Average earning assets$451,164
Average equity $41,102
Average loans $440,264
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4 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
041182Belmont Savings Bank3301 Guernsey Street, Bellaire, OH 43906January 01, 1886Full Service Brick and Mortar
1266907215 West Main Street Branch215 West Main Street, St. Clairsville, OH 43950January 01, 1886Full Service Brick and Mortar
2266908298 Highway #7 Branch298 Sthwy 7, Powhatan Point, OH 43942January 01, 1886Full Service Brick and Mortar
100266909915 East Main St Branch915 East Main St, Barnesville, OH 43713January 01, 1886Full Service Brick and Mortar
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