Call reports 2015
SALEM FIVE CENTS SAVINGS BANK — 2015
What SALEM FIVE CENTS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 3,682,121,000 | 3,725,300,000 | 3,743,810,000 | 3,841,725,000 |
| Total loans | 2,475,498,000 | 2,566,405,000 | 2,637,997,000 | 2,718,630,000 |
| Allowance for loan losses | 21,736,000 | 21,833,000 | 22,150,000 | 22,294,000 |
| Securities available for sale | 374,161,000 | 345,184,000 | 288,504,000 | 256,604,000 |
| Securities held to maturity | 629,732,000 | 655,993,000 | 656,641,000 | 706,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,766,092,000 | 2,776,775,000 | 2,742,720,000 | 2,804,620,000 |
| Interest-bearing deposits | 2,402,093,000 | 2,399,250,000 | 2,374,149,000 | 2,423,480,000 |
| Noninterest-bearing deposits | 363,999,000 | 377,525,000 | 368,571,000 | 381,140,000 |
| Equity capital | 386,983,000 | 392,045,000 | 397,845,000 | 404,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 30,335,000 | 61,737,000 | 94,300,000 | 126,783,000 |
| Interest expense | 7,201,000 | 14,581,000 | 21,989,000 | 29,429,000 |
| Net interest income | 23,134,000 | 47,156,000 | 72,311,000 | 97,354,000 |
| Noninterest income | 8,129,000 | 16,228,000 | 24,254,000 | 32,445,000 |
| Noninterest expense | 21,373,000 | 42,906,000 | 64,557,000 | 88,138,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 10,344,000 | 20,843,000 | 32,131,000 | 42,090,000 |
| Income tax | 3,775,000 | 7,606,000 | 11,790,000 | 15,279,000 |
| Net income | 6,569,000 | 13,237,000 | 20,341,000 | 26,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 379,307,000 | 386,018,000 | 393,229,000 | 400,028,000 |
| Total capital | 403,535,000 | 410,121,000 | 416,155,000 | 423,424,000 |
| Risk-weighted assets | 2,536,694,000 | 2,624,049,000 | 2,668,025,000 | 2,745,505,000 |