Call reports 2013
SALEM FIVE CENTS SAVINGS BANK — 2013
What SALEM FIVE CENTS SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 2,945,455,000 | 3,011,659,000 | 3,052,928,000 | 3,383,411,000 |
| Total loans | 2,063,982,000 | 2,087,357,000 | 2,071,702,000 | 2,266,794,000 |
| Allowance for loan losses | 22,091,000 | 22,119,000 | 21,890,000 | 23,055,000 |
| Securities available for sale | 244,851,000 | 260,799,000 | 304,068,000 | 369,344,000 |
| Securities held to maturity | 467,268,000 | 502,706,000 | 515,922,000 | 565,213,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,183,274,000 | 2,206,942,000 | 2,272,444,000 | 2,535,681,000 |
| Interest-bearing deposits | 1,915,476,000 | 1,930,123,000 | 2,015,590,000 | 2,222,545,000 |
| Noninterest-bearing deposits | 267,799,000 | 276,819,000 | 256,854,000 | 313,136,000 |
| Equity capital | 298,771,000 | 300,487,000 | 306,514,000 | 351,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 27,723,000 | 55,255,000 | 83,211,000 | 122,689,000 |
| Interest expense | 7,852,000 | 15,756,000 | 23,358,000 | 31,996,000 |
| Net interest income | 19,871,000 | 39,499,000 | 59,853,000 | 90,693,000 |
| Noninterest income | 11,737,000 | 21,358,000 | 29,441,000 | 36,335,000 |
| Noninterest expense | 21,293,000 | 41,114,000 | 60,205,000 | 85,963,000 |
| Provision for loan losses | 1,050,000 | 1,500,000 | 1,500,000 | 2,560,000 |
| Pretax income | 9,469,000 | 19,681,000 | 29,244,000 | 41,100,000 |
| Income tax | 3,456,000 | 7,117,000 | 10,627,000 | 15,069,000 |
| Net income | 6,013,000 | 12,564,000 | 18,617,000 | 26,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 287,264,000 | 294,024,000 | 300,285,000 | 341,210,000 |
| Total capital | 311,187,000 | 317,392,000 | 324,123,000 | 366,905,000 |
| Risk-weighted assets | 2,094,368,000 | 2,124,279,000 | 2,129,590,000 | 2,307,200,000 |
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