Call reports 2015
NORTH SALEM STATE BANK, THE — 2015
What NORTH SALEM STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 225,875,000 | 229,022,000 | 241,319,000 | 244,817,000 |
| Total loans | 172,468,000 | 179,368,000 | 180,374,000 | 189,801,000 |
| Allowance for loan losses | 2,874,000 | 3,055,000 | 3,178,000 | 3,292,000 |
| Securities available for sale | 29,619,000 | 27,003,000 | 24,726,000 | 23,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,461,000 | 206,650,000 | 216,190,000 | 219,018,000 |
| Interest-bearing deposits | 153,582,000 | 150,114,000 | 166,242,000 | 158,321,000 |
| Noninterest-bearing deposits | 50,879,000 | 56,536,000 | 49,948,000 | 60,697,000 |
| Equity capital | 18,875,000 | 19,470,000 | 20,234,000 | 20,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,450,000 | 4,963,000 | 7,617,000 | 10,191,000 |
| Interest expense | 300,000 | 608,000 | 918,000 | 1,233,000 |
| Net interest income | 2,150,000 | 4,355,000 | 6,699,000 | 8,958,000 |
| Noninterest income | 314,000 | 648,000 | 982,000 | 1,348,000 |
| Noninterest expense | 1,445,000 | 2,812,000 | 4,372,000 | 6,182,000 |
| Provision for loan losses | 156,000 | 335,000 | 597,000 | 790,000 |
| Pretax income | 1,049,000 | 2,048,000 | 2,910,000 | 3,532,000 |
| Income tax | 314,000 | 608,000 | 835,000 | 1,008,000 |
| Net income | 735,000 | 1,440,000 | 2,075,000 | 2,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,191,000 | 18,896,000 | 19,356,000 | 19,580,000 |
| Total capital | 20,295,000 | 21,105,000 | 21,586,000 | 21,848,000 |
| Risk-weighted assets | 167,488,000 | 175,739,000 | 177,469,000 | 180,431,000 |