Call reports 2018
NORTH SALEM STATE BANK, THE — 2018
What NORTH SALEM STATE BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 322,742,000 | 326,143,000 | 332,135,000 | 342,234,000 |
| Total loans | 272,033,000 | 277,661,000 | 281,847,000 | 281,632,000 |
| Allowance for loan losses | 4,814,000 | 4,971,000 | 5,155,000 | 5,279,000 |
| Securities available for sale | 18,535,000 | 22,212,000 | 23,335,000 | 24,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,095,000 | 294,008,000 | 298,717,000 | 308,488,000 |
| Interest-bearing deposits | 209,391,000 | 212,469,000 | 206,620,000 | 210,986,000 |
| Noninterest-bearing deposits | 81,704,000 | 81,539,000 | 92,097,000 | 97,502,000 |
| Equity capital | 26,734,000 | 27,769,000 | 28,489,000 | 29,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,692,000 | 7,525,000 | 11,503,000 | 15,618,000 |
| Interest expense | 513,000 | 1,085,000 | 1,755,000 | 2,492,000 |
| Net interest income | 3,179,000 | 6,440,000 | 9,748,000 | 13,126,000 |
| Noninterest income | 443,000 | 948,000 | 1,403,000 | 1,872,000 |
| Noninterest expense | 2,066,000 | 4,406,000 | 6,652,000 | 9,186,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 780,000 |
| Pretax income | 1,361,000 | 2,674,000 | 3,996,000 | 5,113,000 |
| Income tax | 249,000 | 491,000 | 738,000 | 978,000 |
| Net income | 1,112,000 | 2,183,000 | 3,258,000 | 4,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,668,000 | 27,739,000 | 28,459,000 | 29,061,000 |
| Total capital | 29,794,000 | 31,024,000 | 31,752,000 | 32,349,000 |
| Risk-weighted assets | 248,536,000 | 262,514,000 | 263,897,000 | 261,013,000 |