Call reports 2012
NORTH SALEM STATE BANK, THE — 2012
What NORTH SALEM STATE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 173,957,000 | 170,905,000 | 172,949,000 | 176,548,000 |
| Total loans | 110,600,000 | 116,510,000 | 119,445,000 | 120,778,000 |
| Allowance for loan losses | 1,576,000 | 1,702,000 | 1,844,000 | 2,010,000 |
| Securities available for sale | 34,895,000 | 35,590,000 | 35,294,000 | 34,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,014,000 | 154,760,000 | 156,220,000 | 159,695,000 |
| Interest-bearing deposits | 126,004,000 | 123,770,000 | 124,138,000 | 125,140,000 |
| Noninterest-bearing deposits | 32,010,000 | 30,990,000 | 32,082,000 | 34,555,000 |
| Equity capital | 14,444,000 | 14,850,000 | 15,386,000 | 15,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,929,000 | 3,861,000 | 5,843,000 | 7,816,000 |
| Interest expense | 473,000 | 909,000 | 1,301,000 | 1,669,000 |
| Net interest income | 1,456,000 | 2,952,000 | 4,542,000 | 6,147,000 |
| Noninterest income | 272,000 | 629,000 | 923,000 | 1,216,000 |
| Noninterest expense | 1,211,000 | 2,438,000 | 3,590,000 | 4,831,000 |
| Provision for loan losses | 136,000 | 272,000 | 440,000 | 694,000 |
| Pretax income | 381,000 | 871,000 | 1,435,000 | 1,838,000 |
| Income tax | 68,000 | 178,000 | 314,000 | 398,000 |
| Net income | 313,000 | 693,000 | 1,121,000 | 1,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,375,000 | 13,663,000 | 14,083,000 | 14,232,000 |
| Total capital | 14,763,000 | 15,149,000 | 15,610,000 | 15,764,000 |
| Risk-weighted assets | 113,285,000 | 118,649,000 | 121,825,000 | 122,119,000 |