Call reports 2005
BANK OF SALEM — 2005
What BANK OF SALEM reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 79,944,000 | 79,026,000 | 77,717,000 | 79,821,000 |
| Total loans | 43,798,000 | 44,203,000 | 44,656,000 | 43,723,000 |
| Allowance for loan losses | 397,000 | 411,000 | 415,000 | 407,000 |
| Securities available for sale | 29,934,000 | 29,195,000 | 26,665,000 | 27,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,304,000 | 67,847,000 | 66,587,000 | 69,378,000 |
| Interest-bearing deposits | 58,757,000 | 57,807,000 | 56,103,000 | 59,152,000 |
| Noninterest-bearing deposits | 10,547,000 | 10,040,000 | 10,484,000 | 10,226,000 |
| Equity capital | 7,981,000 | 8,402,000 | 8,388,000 | 7,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,004,000 | 2,021,000 | 3,057,000 | 4,110,000 |
| Interest expense | 319,000 | 665,000 | 1,034,000 | 1,431,000 |
| Net interest income | 685,000 | 1,356,000 | 2,023,000 | 2,679,000 |
| Noninterest income | 65,000 | 152,000 | 216,000 | 305,000 |
| Noninterest expense | 495,000 | 1,004,000 | 1,497,000 | 2,105,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 48,000 |
| Pretax income | 240,000 | 474,000 | 706,000 | 837,000 |
| Income tax | 67,000 | 126,000 | 188,000 | 205,000 |
| Net income | 173,000 | 348,000 | 518,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,174,000 | 8,349,000 | 8,519,000 | 8,034,000 |
| Total capital | 8,571,000 | 8,760,000 | 8,934,000 | 8,441,000 |
| Risk-weighted assets | 42,825,000 | 42,972,000 | 43,160,000 | 42,547,000 |
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