Call reports 2012
SALEM FIVE CENTS SAVINGS BANK — 2012
What SALEM FIVE CENTS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 2,920,154,000 | 3,017,549,000 | 3,034,705,000 | 2,996,887,000 |
| Total loans | 2,016,973,000 | 2,118,905,000 | 2,171,647,000 | 2,168,911,000 |
| Allowance for loan losses | 19,500,000 | 19,857,000 | 20,430,000 | 21,412,000 |
| Securities available for sale | 237,801,000 | 241,611,000 | 268,841,000 | 226,353,000 |
| Securities held to maturity | 500,281,000 | 488,640,000 | 423,384,000 | 437,588,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,022,665,000 | 1,998,044,000 | 2,008,217,000 | 2,081,649,000 |
| Interest-bearing deposits | 1,764,983,000 | 1,724,632,000 | 1,717,078,000 | 1,799,793,000 |
| Noninterest-bearing deposits | 257,683,000 | 273,412,000 | 291,139,000 | 281,856,000 |
| Equity capital | 263,753,000 | 270,526,000 | 279,155,000 | 286,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 30,357,000 | 60,663,000 | 90,800,000 | 119,976,000 |
| Interest expense | 8,527,000 | 16,565,000 | 24,410,000 | 32,245,000 |
| Net interest income | 21,830,000 | 44,098,000 | 66,390,000 | 87,731,000 |
| Noninterest income | 9,771,000 | 18,651,000 | 29,921,000 | 44,095,000 |
| Noninterest expense | 18,978,000 | 37,584,000 | 58,154,000 | 81,676,000 |
| Provision for loan losses | 1,050,000 | 2,100,000 | 3,150,000 | 4,700,000 |
| Pretax income | 11,620,000 | 22,982,000 | 35,082,000 | 45,977,000 |
| Income tax | 4,217,000 | 8,364,000 | 12,793,000 | 16,574,000 |
| Net income | 7,403,000 | 14,618,000 | 22,289,000 | 29,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 249,567,000 | 256,909,000 | 264,709,000 | 275,242,000 |
| Total capital | 270,059,000 | 277,308,000 | 286,278,000 | 297,608,000 |
| Risk-weighted assets | 2,044,128,000 | 2,109,277,000 | 2,117,319,000 | 2,142,901,000 |
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