Call reports 2025
SALEM FIVE CENTS SAVINGS BANK — 2025
What SALEM FIVE CENTS SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 8,046,347,000 | 8,291,041,000 | 8,426,346,000 | 8,538,245,000 |
| Total loans | 6,139,860,000 | 6,406,133,000 | 6,526,377,000 | 6,600,891,000 |
| Allowance for loan losses | 69,272,000 | 70,760,000 | 76,000,000 | 79,004,000 |
| Securities available for sale | 422,079,000 | 413,721,000 | 413,856,000 | 414,409,000 |
| Securities held to maturity | 1,146,708,000 | 1,133,509,000 | 1,111,155,000 | 1,118,147,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,641,218,000 | 5,751,539,000 | 5,829,604,000 | 5,955,731,000 |
| Interest-bearing deposits | 4,604,463,000 | 4,717,892,000 | 4,760,460,000 | 4,928,045,000 |
| Noninterest-bearing deposits | 1,036,755,000 | 1,033,647,000 | 1,069,144,000 | 1,027,686,000 |
| Equity capital | 899,071,000 | 915,622,000 | 935,455,000 | 963,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 92,347,000 | 190,041,000 | 291,277,000 | 392,344,000 |
| Interest expense | 48,034,000 | 97,735,000 | 149,183,000 | 199,568,000 |
| Net interest income | 44,313,000 | 92,306,000 | 142,094,000 | 192,776,000 |
| Noninterest income | 14,283,000 | 28,514,000 | 45,243,000 | 64,001,000 |
| Noninterest expense | 36,748,000 | 72,986,000 | 109,344,000 | 147,375,000 |
| Provision for loan losses | 1,500,000 | 3,000,000 | 8,280,000 | 11,330,000 |
| Pretax income | 20,349,000 | 44,862,000 | 69,781,000 | 98,122,000 |
| Income tax | 5,290,000 | 11,663,000 | 17,450,000 | 24,531,000 |
| Net income | 15,059,000 | 33,199,000 | 52,331,000 | 73,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 840,586,000 | 859,245,000 | 836,895,000 | 859,404,000 |
| Total capital | 915,889,000 | 936,036,000 | 917,771,000 | 941,753,000 |
| Risk-weighted assets | 6,164,897,000 | 6,341,819,000 | 6,468,639,000 | 6,584,976,000 |