Call reports 2025
SALEM CO-OPERATIVE BANK — 2025
What SALEM CO-OPERATIVE 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 | 575,397,000 | 571,650,000 | 579,613,000 | 572,248,000 |
| Total loans | 473,217,000 | 471,429,000 | 480,495,000 | 479,093,000 |
| Allowance for loan losses | 2,896,000 | 2,960,000 | 3,004,000 | 2,992,000 |
| Securities available for sale | 52,624,000 | 51,272,000 | 54,892,000 | 54,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,749,000 | 388,196,000 | 405,220,000 | 399,656,000 |
| Interest-bearing deposits | 333,152,000 | 338,802,000 | 352,115,000 | 350,034,000 |
| Noninterest-bearing deposits | 49,597,000 | 49,394,000 | 53,105,000 | 49,622,000 |
| Equity capital | 62,093,000 | 62,136,000 | 63,140,000 | 63,637,000 |
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 | 6,164,000 | 12,435,000 | 18,963,000 | 25,480,000 |
| Interest expense | 3,741,000 | 7,355,000 | 10,933,000 | 14,377,000 |
| Net interest income | 2,423,000 | 5,080,000 | 8,030,000 | 11,103,000 |
| Noninterest income | 197,000 | 410,000 | 640,000 | 868,000 |
| Noninterest expense | 3,884,000 | 6,688,000 | 9,400,000 | 12,153,000 |
| Provision for loan losses | 152,000 | 214,000 | 492,000 | 481,000 |
| Pretax income | -1,387,000 | -1,374,000 | -1,132,000 | -612,000 |
| Income tax | -482,000 | -500,000 | -494,000 | -369,000 |
| Net income | -905,000 | -874,000 | -638,000 | -243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,025,000 | 67,056,000 | 67,293,000 | 67,685,000 |
| Total capital | 70,087,000 | 70,173,000 | 70,404,000 | 70,821,000 |
| Risk-weighted assets | 374,145,000 | 370,130,000 | 377,702,000 | 377,335,000 |