Call reports 2013
NORTH SALEM STATE BANK, THE — 2013
What NORTH SALEM STATE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 183,702,000 | 182,517,000 | 190,704,000 | 192,876,000 |
| Total loans | 124,268,000 | 127,891,000 | 138,274,000 | 142,375,000 |
| Allowance for loan losses | 2,139,000 | 2,270,000 | 2,375,000 | 2,564,000 |
| Securities available for sale | 34,536,000 | 33,144,000 | 33,915,000 | 33,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,527,000 | 165,144,000 | 173,106,000 | 174,870,000 |
| Interest-bearing deposits | 130,904,000 | 125,900,000 | 132,663,000 | 135,357,000 |
| Noninterest-bearing deposits | 35,623,000 | 39,244,000 | 40,443,000 | 39,513,000 |
| Equity capital | 15,912,000 | 16,073,000 | 16,115,000 | 16,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,932,000 | 3,901,000 | 5,961,000 | 8,102,000 |
| Interest expense | 331,000 | 637,000 | 944,000 | 1,266,000 |
| Net interest income | 1,601,000 | 3,264,000 | 5,017,000 | 6,836,000 |
| Noninterest income | 287,000 | 729,000 | 991,000 | 1,224,000 |
| Noninterest expense | 1,254,000 | 2,655,000 | 3,892,000 | 5,189,000 |
| Provision for loan losses | 130,000 | 272,000 | 408,000 | 634,000 |
| Pretax income | 504,000 | 1,066,000 | 1,708,000 | 2,237,000 |
| Income tax | 97,000 | 238,000 | 420,000 | 559,000 |
| Net income | 407,000 | 828,000 | 1,288,000 | 1,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,639,000 | 15,060,000 | 15,404,000 | 15,795,000 |
| Total capital | 16,175,000 | 16,685,000 | 17,129,000 | 17,466,000 |
| Risk-weighted assets | 122,246,000 | 129,386,000 | 137,388,000 | 132,816,000 |
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