Call reports 2004
NORTH SALEM STATE BANK, THE — 2004
What NORTH SALEM STATE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 104,051,000 | 106,862,000 | 108,236,000 | 114,263,000 |
| Total loans | 66,869,000 | 70,927,000 | 71,976,000 | 73,351,000 |
| Allowance for loan losses | 733,000 | 704,000 | 729,000 | 749,000 |
| Securities available for sale | 27,096,000 | 26,334,000 | 27,358,000 | 28,169,000 |
| Securities held to maturity | 275,000 | 275,000 | 275,000 | 275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,401,000 | 86,569,000 | 90,541,000 | 96,584,000 |
| Interest-bearing deposits | 67,240,000 | 68,499,000 | 72,958,000 | 75,048,000 |
| Noninterest-bearing deposits | 18,161,000 | 18,070,000 | 17,583,000 | 21,536,000 |
| Equity capital | 8,711,000 | 8,199,000 | 8,823,000 | 8,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,497,000 | 3,019,000 | 4,604,000 | 6,183,000 |
| Interest expense | 632,000 | 1,240,000 | 1,857,000 | 2,485,000 |
| Net interest income | 865,000 | 1,779,000 | 2,747,000 | 3,698,000 |
| Noninterest income | 286,000 | 548,000 | 851,000 | 1,040,000 |
| Noninterest expense | 833,000 | 1,680,000 | 2,471,000 | 3,287,000 |
| Provision for loan losses | 45,000 | 225,000 | 270,000 | 400,000 |
| Pretax income | 296,000 | 471,000 | 906,000 | 1,103,000 |
| Income tax | 75,000 | 113,000 | 236,000 | 278,000 |
| Net income | 221,000 | 358,000 | 670,000 | 825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,125,000 | 8,162,000 | 8,474,000 | 8,508,000 |
| Total capital | 8,858,000 | 8,866,000 | 9,203,000 | 9,265,000 |
| Risk-weighted assets | 79,928,000 | 84,274,000 | 86,120,000 | 88,423,000 |
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