Call reports 2019
SALEM FIVE CENTS SAVINGS BANK — 2019
What SALEM FIVE CENTS SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 5,024,079,000 | 5,158,816,000 | 5,242,974,000 | 5,155,447,000 |
| Total loans | 3,828,702,000 | 3,997,688,000 | 4,098,337,000 | 4,008,772,000 |
| Allowance for loan losses | 34,807,000 | 35,868,000 | 36,858,000 | 40,784,000 |
| Securities available for sale | 320,657,000 | 313,170,000 | 314,404,000 | 317,848,000 |
| Securities held to maturity | 618,312,000 | 594,741,000 | 552,436,000 | 576,101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,797,298,000 | 3,871,500,000 | 4,004,438,000 | 3,941,876,000 |
| Interest-bearing deposits | 3,294,568,000 | 3,365,193,000 | 3,460,436,000 | 3,400,724,000 |
| Noninterest-bearing deposits | 502,729,000 | 506,307,000 | 544,002,000 | 541,152,000 |
| Equity capital | 526,358,000 | 539,144,000 | 553,544,000 | 570,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 50,938,000 | 102,859,000 | 155,422,000 | 206,098,000 |
| Interest expense | 14,585,000 | 30,331,000 | 46,369,000 | 60,175,000 |
| Net interest income | 36,353,000 | 72,528,000 | 109,053,000 | 145,923,000 |
| Noninterest income | 8,842,000 | 19,231,000 | 31,792,000 | 43,766,000 |
| Noninterest expense | 26,377,000 | 52,567,000 | 78,763,000 | 107,779,000 |
| Provision for loan losses | 1,050,000 | 2,100,000 | 3,150,000 | 7,200,000 |
| Pretax income | 22,695,000 | 43,732,000 | 66,031,000 | 85,208,000 |
| Income tax | 5,799,000 | 11,269,000 | 17,178,000 | 22,153,000 |
| Net income | 16,896,000 | 32,463,000 | 48,853,000 | 63,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 500,071,000 | 516,150,000 | 533,541,000 | 548,474,000 |
| Total capital | 534,878,000 | 552,018,000 | 570,399,000 | 589,258,000 |
| Risk-weighted assets | 3,696,425,000 | 3,874,706,000 | 3,942,010,000 | 3,856,284,000 |
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