Belmont Savings Bank in Bellaire, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


Belmont Savings Bank - Overview

  • General
  • FDIC Certificate #: 28348
    Status: Active
    Federal Reserve ID: 72678
    Date Established: January 01, 1886
    WWW: http://www.belmont-savings.com
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 58Total employees (full-time equivalent)
  • $490,239Total assets
  • $5,879Cash and due from depository institutions
  • $3,422Interest-bearing balances
  • $400,170Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $75,896Net loans & leases
  • $2,517Loan loss allowance
  • $0Trading account assets
  • $1,561Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $490,239Life insurance assets
  • $6,733All other assets
  • $447,570Total liabilities and capital
  • $339,482Total liabilities
  • $338,405Total deposits
  • $339,482Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $107,584Trading liabilities
  • $0Other borrowed funds
  • $504Subordinated debt
  • $42,669All other liabilities
  • $42,669Total equity capital
  • $42,669Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $42,669Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,897Income earned, not collected on loans
  • $0Earning assets
  • $2,074Long-term assets (5+ years)
  • $479,488Average Assets, year-to-date
  • $300,173Average Assets, quarterly
  • $451,164Volatile liabilities
  • $478,842Insider loans
  • $121,112FHLB advances
  • $478,931Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $41,968Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,332Restructured Loans and leases
  • $254Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,736Total interest income
  • $7,326Total interest expense
  • $11,410Net interest income
  • $1,475Provision for loan and lease losses
  • $248Total noninterest income
  • $0Fiduciary activities
  • $244Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4Additional noninterest income
  • $5,638Total noninterest expense
  • $2,385Salaries and employee benefits
  • $484Premises and equipment expense
  • $2,769Additional noninterest expense
  • $4,545Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,545Applicable income taxes
  • $3,000Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,000Net income attributable to bank
  • $0Net charge-offs
  • $3,000Cash dividends
  • $791Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 1.66%Cost of funding earning assets
  • 2.59%Net interest margin
  • 0.06%Noninterest income to earning assets
  • 1.28%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 7.30%Return on equity (ROE)
  • 7.30%Retained earnings to average equity (YTD only)
  • 1.08%Net charge-offs to loans
  • 186.47%Credit loss provision to net charge-offs
  • 7.61%Efficiency ratio
  • 48,362Assets per employee
  • 8.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.21%Loss allowance to noncurrent loans
  • 86.88%Noncurrent assets plus other real estate owned to assets
  • 0.59%Noncurrent loans to loans
  • 3.69%Net loans and leases to deposits
  • 22.36%Net loans and leases to core deposits
  • 24.54%Equity capital to assets
  • 8.70%Core capital (leverage) ratio
  • 8.76%Tier 1 risk-based capital ratio
  • 34.65%Total risk-based capital ratio
  • Memoranda
  • $36Average assets
  • $451,164Average earning assets
  • $41,102Average equity
  • $440,264Average loans

List of branches

  • 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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