Call reports 2011
NORTH SALEM STATE BANK, THE — 2011
What NORTH SALEM STATE BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 163,494,000 | 157,878,000 | 159,629,000 | 163,136,000 |
| Total loans | 100,364,000 | 103,314,000 | 106,194,000 | 109,047,000 |
| Allowance for loan losses | 1,158,000 | 1,269,000 | 1,411,000 | 1,618,000 |
| Securities available for sale | 33,686,000 | 34,822,000 | 36,318,000 | 37,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,994,000 | 142,983,000 | 144,214,000 | 147,527,000 |
| Interest-bearing deposits | 117,390,000 | 116,816,000 | 116,197,000 | 118,875,000 |
| Noninterest-bearing deposits | 30,604,000 | 26,167,000 | 28,017,000 | 28,652,000 |
| Equity capital | 12,557,000 | 13,002,000 | 13,909,000 | 14,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,874,000 | 3,742,000 | 5,695,000 | 7,623,000 |
| Interest expense | 572,000 | 1,121,000 | 1,648,000 | 2,150,000 |
| Net interest income | 1,302,000 | 2,621,000 | 4,047,000 | 5,473,000 |
| Noninterest income | 316,000 | 666,000 | 965,000 | 1,268,000 |
| Noninterest expense | 1,109,000 | 2,313,000 | 3,475,000 | 4,609,000 |
| Provision for loan losses | 106,000 | 227,000 | 418,000 | 829,000 |
| Pretax income | 403,000 | 779,000 | 1,151,000 | 1,335,000 |
| Income tax | 81,000 | 150,000 | 216,000 | 208,000 |
| Net income | 322,000 | 629,000 | 935,000 | 1,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,284,000 | 12,592,000 | 12,898,000 | 13,063,000 |
| Total capital | 13,442,000 | 13,861,000 | 14,238,000 | 14,468,000 |
| Risk-weighted assets | 106,532,000 | 106,802,000 | 108,122,000 | 112,220,000 |