Call reports 2005
NORTH SALEM STATE BANK, THE — 2005
What NORTH SALEM STATE BANK, THE 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 | 115,108,000 | 116,789,000 | 119,295,000 | 120,153,000 |
| Total loans | 74,208,000 | 77,932,000 | 78,127,000 | 77,816,000 |
| Allowance for loan losses | 766,000 | 812,000 | 818,000 | 800,000 |
| Securities available for sale | 30,329,000 | 29,976,000 | 30,440,000 | 32,144,000 |
| Securities held to maturity | 275,000 | 275,000 | 275,000 | 775,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,791,000 | 99,845,000 | 102,295,000 | 102,002,000 |
| Interest-bearing deposits | 79,990,000 | 82,428,000 | 84,204,000 | 82,292,000 |
| Noninterest-bearing deposits | 18,801,000 | 17,417,000 | 18,091,000 | 19,710,000 |
| Equity capital | 8,873,000 | 9,265,000 | 9,521,000 | 9,404,000 |
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 | 1,631,000 | 3,325,000 | 5,074,000 | 6,869,000 |
| Interest expense | 634,000 | 1,317,000 | 2,061,000 | 2,846,000 |
| Net interest income | 997,000 | 2,008,000 | 3,013,000 | 4,023,000 |
| Noninterest income | 322,000 | 611,000 | 898,000 | 1,192,000 |
| Noninterest expense | 827,000 | 1,703,000 | 2,536,000 | 3,459,000 |
| Provision for loan losses | 35,000 | 70,000 | 105,000 | 175,000 |
| Pretax income | 457,000 | 848,000 | 1,280,000 | 1,588,000 |
| Income tax | 135,000 | 239,000 | 376,000 | 445,000 |
| Net income | 322,000 | 609,000 | 904,000 | 1,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,891,000 | 9,117,000 | 9,413,000 | 9,452,000 |
| Total capital | 9,657,000 | 9,929,000 | 10,231,000 | 10,252,000 |
| Risk-weighted assets | 90,267,000 | 94,505,000 | 81,745,000 | 96,524,000 |
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