Call reports 2006
NORTH SALEM STATE BANK, THE — 2006
What NORTH SALEM STATE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 125,946,000 | 127,290,000 | 133,768,000 | 132,282,000 |
| Total loans | 84,083,000 | 90,503,000 | 94,379,000 | 92,538,000 |
| Allowance for loan losses | 756,000 | 804,000 | 869,000 | 948,000 |
| Securities available for sale | 31,262,000 | 27,106,000 | 27,673,000 | 29,014,000 |
| Securities held to maturity | 975,000 | 275,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,349,000 | 108,845,000 | 111,539,000 | 113,619,000 |
| Interest-bearing deposits | 86,811,000 | 90,804,000 | 91,644,000 | 94,245,000 |
| Noninterest-bearing deposits | 18,538,000 | 18,041,000 | 19,895,000 | 19,374,000 |
| Equity capital | 9,464,000 | 9,431,000 | 9,826,000 | 10,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,794,000 | 3,733,000 | 5,854,000 | 7,968,000 |
| Interest expense | 834,000 | 1,732,000 | 2,768,000 | 3,831,000 |
| Net interest income | 960,000 | 2,001,000 | 3,086,000 | 4,137,000 |
| Noninterest income | 271,000 | 568,000 | 906,000 | 1,241,000 |
| Noninterest expense | 995,000 | 2,062,000 | 2,855,000 | 3,845,000 |
| Provision for loan losses | 45,000 | 90,000 | 155,000 | 365,000 |
| Pretax income | 177,000 | 351,000 | 928,000 | 1,119,000 |
| Income tax | 21,000 | 49,000 | 220,000 | 252,000 |
| Net income | 156,000 | 302,000 | 708,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,608,000 | 9,754,000 | 9,960,000 | 10,119,000 |
| Total capital | 10,364,000 | 10,558,000 | 10,829,000 | 11,067,000 |
| Risk-weighted assets | 94,441,000 | 95,916,000 | 100,300,000 | 98,632,000 |
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