Call reports 2019
NORTH SALEM STATE BANK, THE — 2019
What NORTH SALEM STATE BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 354,428,000 | 363,745,000 | 365,560,000 | 385,306,000 |
| Total loans | 287,272,000 | 295,340,000 | 305,121,000 | 308,031,000 |
| Allowance for loan losses | 5,447,000 | 5,562,000 | 5,655,000 | 5,815,000 |
| Securities available for sale | 26,159,000 | 27,395,000 | 28,879,000 | 28,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,909,000 | 327,260,000 | 327,923,000 | 347,272,000 |
| Interest-bearing deposits | 218,263,000 | 222,198,000 | 226,910,000 | 239,936,000 |
| Noninterest-bearing deposits | 100,646,000 | 105,062,000 | 101,013,000 | 107,336,000 |
| Equity capital | 30,315,000 | 31,609,000 | 32,395,000 | 33,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,191,000 | 8,600,000 | 13,160,000 | 17,756,000 |
| Interest expense | 764,000 | 1,661,000 | 2,584,000 | 3,566,000 |
| Net interest income | 3,427,000 | 6,939,000 | 10,576,000 | 14,190,000 |
| Noninterest income | 343,000 | 1,012,000 | 1,536,000 | 2,039,000 |
| Noninterest expense | 2,240,000 | 4,794,000 | 7,331,000 | 10,024,000 |
| Provision for loan losses | 123,000 | 240,000 | 360,000 | 492,000 |
| Pretax income | 1,407,000 | 2,917,000 | 4,421,000 | 5,713,000 |
| Income tax | 269,000 | 533,000 | 821,000 | 1,075,000 |
| Net income | 1,138,000 | 2,384,000 | 3,600,000 | 4,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,199,000 | 31,445,000 | 32,264,000 | 33,026,000 |
| Total capital | 33,602,000 | 34,961,000 | 35,916,000 | 36,669,000 |
| Risk-weighted assets | 270,224,000 | 279,123,000 | 290,185,000 | 289,258,000 |