Call reports 2025
NORTH SALEM STATE BANK, THE — 2025
What NORTH SALEM STATE BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 676,966,000 | 703,616,000 | 726,018,000 | 776,253,000 |
| Total loans | 569,576,000 | 587,460,000 | 598,502,000 | 619,860,000 |
| Allowance for loan losses | 9,486,000 | 9,682,000 | 9,918,000 | 10,115,000 |
| Securities available for sale | 43,949,000 | 48,426,000 | 47,109,000 | 50,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 601,995,000 | 623,223,000 | 641,362,000 | 689,861,000 |
| Interest-bearing deposits | 456,058,000 | 469,262,000 | 476,346,000 | 515,534,000 |
| Noninterest-bearing deposits | 145,937,000 | 153,961,000 | 165,016,000 | 174,327,000 |
| Equity capital | 56,478,000 | 59,351,000 | 62,727,000 | 62,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,147,000 | 21,092,000 | 32,289,000 | 44,085,000 |
| Interest expense | 3,263,000 | 6,992,000 | 10,661,000 | 14,573,000 |
| Net interest income | 6,884,000 | 14,100,000 | 21,628,000 | 29,512,000 |
| Noninterest income | 822,000 | 1,793,000 | 2,659,000 | 3,853,000 |
| Noninterest expense | 4,095,000 | 8,527,000 | 12,901,000 | 18,276,000 |
| Provision for loan losses | 142,000 | 339,000 | 593,000 | 808,000 |
| Pretax income | 3,460,000 | 7,002,000 | 10,779,000 | 14,239,000 |
| Income tax | 728,000 | 1,476,000 | 2,281,000 | 3,023,000 |
| Net income | 2,732,000 | 5,526,000 | 8,498,000 | 11,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,455,000 | 62,298,000 | 65,318,000 | 65,185,000 |
| Total capital | 66,597,000 | 69,612,000 | 72,762,000 | 72,944,000 |
| Risk-weighted assets | 568,798,000 | 582,547,000 | 592,821,000 | 618,164,000 |