Call reports 2020
NORTH SALEM STATE BANK, THE — 2020
What NORTH SALEM STATE BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 412,757,000 | 457,084,000 | 472,037,000 | 483,424,000 |
| Total loans | 309,829,000 | 334,529,000 | 343,763,000 | 331,591,000 |
| Allowance for loan losses | 5,937,000 | 6,167,000 | 6,290,000 | 6,414,000 |
| Securities available for sale | 29,046,000 | 27,777,000 | 30,884,000 | 6,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,457,000 | 416,181,000 | 430,128,000 | 440,957,000 |
| Interest-bearing deposits | 263,459,000 | 278,535,000 | 282,724,000 | 279,443,000 |
| Noninterest-bearing deposits | 109,998,000 | 137,646,000 | 147,404,000 | 161,514,000 |
| Equity capital | 33,694,000 | 34,842,000 | 36,101,000 | 37,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,595,000 | 9,160,000 | 13,729,000 | 18,583,000 |
| Interest expense | 1,051,000 | 2,095,000 | 3,059,000 | 3,901,000 |
| Net interest income | 3,544,000 | 7,065,000 | 10,670,000 | 14,682,000 |
| Noninterest income | 366,000 | 930,000 | 1,511,000 | 2,105,000 |
| Noninterest expense | 2,323,000 | 4,927,000 | 7,318,000 | 10,062,000 |
| Provision for loan losses | 123,000 | 246,000 | 369,000 | 492,000 |
| Pretax income | 1,464,000 | 2,822,000 | 4,495,000 | 6,300,000 |
| Income tax | 290,000 | 552,000 | 862,000 | 1,288,000 |
| Net income | 1,174,000 | 2,270,000 | 3,633,000 | 5,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,601,000 | 34,697,000 | 35,960,000 | 37,080,000 |
| Total capital | 37,400,000 | 38,719,000 | 40,178,000 | 41,043,000 |
| Risk-weighted assets | 301,754,000 | 319,610,000 | 335,401,000 | 314,577,000 |