Call reports 2009
SALEM FIVE CENTS SAVINGS BANK — 2009
What SALEM FIVE CENTS SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 2,879,409,000 | 2,832,624,000 | 2,736,378,000 | 2,729,342,000 |
| Total loans | 1,902,409,000 | 1,898,058,000 | 1,827,549,000 | 1,848,871,000 |
| Allowance for loan losses | 20,423,000 | 18,045,000 | 17,505,000 | 17,424,000 |
| Securities available for sale | 322,347,000 | 295,151,000 | 303,381,000 | 305,917,000 |
| Securities held to maturity | 351,537,000 | 309,428,000 | 348,038,000 | 308,138,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,940,245,000 | 1,893,407,000 | 1,807,738,000 | 1,799,031,000 |
| Interest-bearing deposits | 1,765,224,000 | 1,702,905,000 | 1,632,910,000 | 1,616,486,000 |
| Noninterest-bearing deposits | 175,021,000 | 190,502,000 | 174,828,000 | 182,545,000 |
| Equity capital | 224,040,000 | 234,871,000 | 243,927,000 | 248,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 34,801,000 | 68,199,000 | 100,436,000 | 132,130,000 |
| Interest expense | 18,755,000 | 35,750,000 | 51,139,000 | 65,647,000 |
| Net interest income | 16,046,000 | 32,449,000 | 49,297,000 | 66,483,000 |
| Noninterest income | 6,373,000 | 13,396,000 | 19,239,000 | 25,712,000 |
| Noninterest expense | 16,051,000 | 30,853,000 | 47,077,000 | 64,190,000 |
| Provision for loan losses | 1,985,000 | 2,585,000 | 3,635,000 | 5,135,000 |
| Pretax income | 3,857,000 | 11,879,000 | 17,339,000 | 22,460,000 |
| Income tax | 1,374,000 | 4,250,000 | 6,202,000 | 7,940,000 |
| Net income | 2,483,000 | 7,629,000 | 11,137,000 | 14,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 214,060,000 | 224,196,000 | 231,871,000 | 237,278,000 |
| Total capital | 234,483,000 | 242,241,000 | 249,376,000 | 254,702,000 |
| Risk-weighted assets | 1,939,926,000 | 1,917,721,000 | 1,881,510,000 | 1,885,052,000 |
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