Call reports 2012
SALEM CO-OPERATIVE BANK — 2012
What SALEM CO-OPERATIVE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 404,457,000 | 402,512,000 | 400,086,000 | 397,784,000 |
| Total loans | 236,052,000 | 237,057,000 | 244,538,000 | 241,530,000 |
| Allowance for loan losses | 1,769,000 | 1,838,000 | 1,908,000 | 1,864,000 |
| Securities available for sale | 127,603,000 | 128,154,000 | 122,110,000 | 116,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,497,000 | 278,601,000 | 274,775,000 | 272,229,000 |
| Interest-bearing deposits | 249,433,000 | 245,720,000 | 240,183,000 | 235,409,000 |
| Noninterest-bearing deposits | 33,064,000 | 32,881,000 | 34,592,000 | 36,820,000 |
| Equity capital | 57,123,000 | 58,035,000 | 59,157,000 | 59,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,067,000 | 8,137,000 | 12,079,000 | 15,906,000 |
| Interest expense | 1,163,000 | 2,287,000 | 3,379,000 | 4,427,000 |
| Net interest income | 2,904,000 | 5,850,000 | 8,700,000 | 11,479,000 |
| Noninterest income | 197,000 | 403,000 | 617,000 | 819,000 |
| Noninterest expense | 1,967,000 | 3,728,000 | 5,495,000 | 7,347,000 |
| Provision for loan losses | 155,000 | 224,000 | 294,000 | 397,000 |
| Pretax income | 979,000 | 2,301,000 | 3,528,000 | 4,554,000 |
| Income tax | 289,000 | 698,000 | 1,009,000 | 1,304,000 |
| Net income | 690,000 | 1,603,000 | 2,519,000 | 3,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,741,000 | 55,654,000 | 56,570,000 | 57,301,000 |
| Total capital | 56,510,000 | 57,492,000 | 58,478,000 | 59,165,000 |
| Risk-weighted assets | 191,453,000 | 195,196,000 | 193,070,000 | 191,178,000 |