Call reports 2014
SALEM FIVE CENTS SAVINGS BANK — 2014
What SALEM FIVE CENTS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 3,411,686,000 | 3,517,028,000 | 3,577,175,000 | 3,625,139,000 |
| Total loans | 2,278,784,000 | 2,363,342,000 | 2,373,895,000 | 2,472,707,000 |
| Allowance for loan losses | 23,220,000 | 21,988,000 | 21,590,000 | 21,536,000 |
| Securities available for sale | 381,341,000 | 369,307,000 | 383,409,000 | 389,456,000 |
| Securities held to maturity | 580,282,000 | 588,547,000 | 610,870,000 | 607,470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,549,953,000 | 2,644,084,000 | 2,694,469,000 | 2,694,446,000 |
| Interest-bearing deposits | 2,248,408,000 | 2,306,605,000 | 2,359,596,000 | 2,354,368,000 |
| Noninterest-bearing deposits | 301,545,000 | 337,479,000 | 334,873,000 | 340,078,000 |
| Equity capital | 360,209,000 | 368,580,000 | 374,785,000 | 378,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 29,754,000 | 60,272,000 | 90,660,000 | 122,463,000 |
| Interest expense | 7,183,000 | 14,437,000 | 21,934,000 | 29,330,000 |
| Net interest income | 22,571,000 | 45,835,000 | 68,726,000 | 93,133,000 |
| Noninterest income | 6,446,000 | 13,211,000 | 21,139,000 | 28,173,000 |
| Noninterest expense | 20,171,000 | 40,355,000 | 60,762,000 | 81,476,000 |
| Provision for loan losses | 300,000 | 600,000 | 600,000 | 600,000 |
| Pretax income | 8,882,000 | 19,250,000 | 29,900,000 | 40,753,000 |
| Income tax | 3,218,000 | 7,062,000 | 10,621,000 | 14,734,000 |
| Net income | 5,664,000 | 12,188,000 | 19,279,000 | 26,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 345,452,000 | 352,238,000 | 359,522,000 | 367,658,000 |
| Total capital | 371,330,000 | 377,033,000 | 383,450,000 | 391,821,000 |
| Risk-weighted assets | 2,321,946,000 | 2,374,668,000 | 2,397,215,000 | 2,502,592,000 |
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