Call reports 2009
NORTH SALEM STATE BANK, THE — 2009
What NORTH SALEM STATE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 131,284,000 | 136,508,000 | 143,537,000 | 139,086,000 |
| Total loans | 86,694,000 | 88,197,000 | 92,435,000 | 89,884,000 |
| Allowance for loan losses | 1,178,000 | 1,231,000 | 1,247,000 | 1,210,000 |
| Securities available for sale | 30,430,000 | 33,059,000 | 32,368,000 | 34,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,193,000 | 117,725,000 | 124,608,000 | 119,944,000 |
| Interest-bearing deposits | 93,367,000 | 94,037,000 | 95,735,000 | 96,690,000 |
| Noninterest-bearing deposits | 20,826,000 | 23,688,000 | 28,873,000 | 23,254,000 |
| Equity capital | 10,832,000 | 10,865,000 | 11,295,000 | 11,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,747,000 | 3,487,000 | 5,310,000 | 7,097,000 |
| Interest expense | 767,000 | 1,518,000 | 2,249,000 | 2,962,000 |
| Net interest income | 980,000 | 1,969,000 | 3,061,000 | 4,135,000 |
| Noninterest income | 384,000 | 713,000 | 1,091,000 | 1,400,000 |
| Noninterest expense | 1,031,000 | 2,265,000 | 3,343,000 | 4,433,000 |
| Provision for loan losses | 111,000 | 188,000 | 249,000 | 511,000 |
| Pretax income | 222,000 | 378,000 | 702,000 | 932,000 |
| Income tax | -1,000 | 27,000 | 90,000 | 111,000 |
| Net income | 223,000 | 351,000 | 612,000 | 821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,436,000 | 10,570,000 | 10,830,000 | 11,039,000 |
| Total capital | 11,586,000 | 11,722,000 | 12,027,000 | 12,249,000 |
| Risk-weighted assets | 91,962,000 | 93,241,000 | 95,712,000 | 96,432,000 |
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