Call reports 2008
NORTH SALEM STATE BANK, THE — 2008
What NORTH SALEM STATE BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 131,576,000 | 132,807,000 | 130,551,000 | 128,122,000 |
| Total loans | 85,420,000 | 90,304,000 | 86,217,000 | 84,986,000 |
| Allowance for loan losses | 974,000 | 1,101,000 | 864,000 | 874,000 |
| Securities available for sale | 31,012,000 | 29,827,000 | 30,107,000 | 30,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,225,000 | 112,540,000 | 108,915,000 | 111,252,000 |
| Interest-bearing deposits | 93,173,000 | 92,943,000 | 89,567,000 | 91,783,000 |
| Noninterest-bearing deposits | 21,052,000 | 19,597,000 | 19,348,000 | 19,469,000 |
| Equity capital | 10,588,000 | 10,297,000 | 10,417,000 | 10,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,998,000 | 3,845,000 | 5,790,000 | 7,570,000 |
| Interest expense | 1,003,000 | 1,886,000 | 2,729,000 | 3,610,000 |
| Net interest income | 995,000 | 1,959,000 | 3,061,000 | 3,960,000 |
| Noninterest income | 331,000 | 672,000 | 1,126,000 | 1,476,000 |
| Noninterest expense | 1,056,000 | 2,098,000 | 3,229,000 | 4,248,000 |
| Provision for loan losses | 100,000 | 225,000 | 557,000 | 808,000 |
| Pretax income | 256,000 | 394,000 | 487,000 | 466,000 |
| Income tax | 42,000 | 42,000 | 87,000 | -104,000 |
| Net income | 214,000 | 352,000 | 400,000 | 570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,182,000 | 10,321,000 | 10,268,000 | 10,213,000 |
| Total capital | 11,156,000 | 11,422,000 | 11,132,000 | 11,087,000 |
| Risk-weighted assets | 96,399,000 | 100,462,000 | 96,032,000 | 93,444,000 |
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