Call reports 2014
NORTH SALEM STATE BANK, THE — 2014
What NORTH SALEM STATE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 205,500,000 | 204,009,000 | 209,455,000 | 214,424,000 |
| Total loans | 139,523,000 | 148,665,000 | 158,572,000 | 164,697,000 |
| Allowance for loan losses | 2,690,000 | 2,494,000 | 2,553,000 | 2,764,000 |
| Securities available for sale | 33,196,000 | 33,592,000 | 32,034,000 | 31,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,089,000 | 185,035,000 | 189,885,000 | 194,694,000 |
| Interest-bearing deposits | 138,921,000 | 140,204,000 | 142,619,000 | 150,526,000 |
| Noninterest-bearing deposits | 48,168,000 | 44,831,000 | 47,266,000 | 44,168,000 |
| Equity capital | 16,963,000 | 17,484,000 | 17,925,000 | 18,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,084,000 | 4,323,000 | 6,600,000 | 8,673,000 |
| Interest expense | 308,000 | 614,000 | 920,000 | 1,235,000 |
| Net interest income | 1,776,000 | 3,709,000 | 5,680,000 | 7,438,000 |
| Noninterest income | 291,000 | 625,000 | 941,000 | 1,564,000 |
| Noninterest expense | 1,346,000 | 2,721,000 | 4,030,000 | 5,489,000 |
| Provision for loan losses | 136,000 | 272,000 | 468,000 | 694,000 |
| Pretax income | 585,000 | 1,341,000 | 2,123,000 | 2,819,000 |
| Income tax | 141,000 | 348,000 | 585,000 | 812,000 |
| Net income | 444,000 | 993,000 | 1,538,000 | 2,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,238,000 | 16,777,000 | 17,186,000 | 17,455,000 |
| Total capital | 17,980,000 | 18,534,000 | 19,068,000 | 19,403,000 |
| Risk-weighted assets | 138,380,000 | 143,164,000 | 149,872,000 | 155,286,000 |
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