Call reports 2010
NORTH SALEM STATE BANK, THE — 2010
What NORTH SALEM STATE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 141,047,000 | 146,497,000 | 154,853,000 | 157,527,000 |
| Total loans | 92,041,000 | 97,112,000 | 95,558,000 | 100,191,000 |
| Allowance for loan losses | 1,286,000 | 1,188,000 | 971,000 | 1,040,000 |
| Securities available for sale | 34,705,000 | 33,164,000 | 34,430,000 | 33,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,164,000 | 129,807,000 | 139,217,000 | 142,233,000 |
| Interest-bearing deposits | 101,210,000 | 107,462,000 | 114,065,000 | 115,587,000 |
| Noninterest-bearing deposits | 22,954,000 | 22,345,000 | 25,152,000 | 26,646,000 |
| Equity capital | 11,772,000 | 12,055,000 | 12,366,000 | 11,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,772,000 | 3,604,000 | 5,463,000 | 7,304,000 |
| Interest expense | 690,000 | 1,352,000 | 2,025,000 | 2,669,000 |
| Net interest income | 1,082,000 | 2,252,000 | 3,438,000 | 4,635,000 |
| Noninterest income | 315,000 | 649,000 | 1,003,000 | 1,296,000 |
| Noninterest expense | 1,070,000 | 2,209,000 | 3,359,000 | 4,485,000 |
| Provision for loan losses | 66,000 | 167,000 | 489,000 | 565,000 |
| Pretax income | 261,000 | 525,000 | 684,000 | 1,087,000 |
| Income tax | 39,000 | 74,000 | 65,000 | 163,000 |
| Net income | 222,000 | 451,000 | 619,000 | 924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,261,000 | 11,490,000 | 11,658,000 | 11,963,000 |
| Total capital | 12,488,000 | 12,678,000 | 12,629,000 | 13,003,000 |
| Risk-weighted assets | 98,140,000 | 100,847,000 | 102,168,000 | 104,026,000 |
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