Call reports 2003
FNB SALEM BANK & TRUST, NATIONAL ASSOCIATION — 2003
What FNB SALEM BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 351,516,000 | 357,277,000 | 350,242,000 | 351,150,000 |
| Total loans | 263,465,000 | 276,657,000 | 275,508,000 | 272,354,000 |
| Allowance for loan losses | 3,735,000 | 3,802,000 | 3,831,000 | 3,852,000 |
| Securities available for sale | 37,913,000 | 41,455,000 | 32,888,000 | 35,985,000 |
| Securities held to maturity | 2,392,000 | 2,063,000 | 1,879,000 | 1,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,770,000 | 287,244,000 | 277,171,000 | 276,412,000 |
| Interest-bearing deposits | 252,089,000 | 252,822,000 | 242,796,000 | 242,926,000 |
| Noninterest-bearing deposits | 30,681,000 | 34,422,000 | 34,375,000 | 33,486,000 |
| Equity capital | 49,299,000 | 49,597,000 | 49,417,000 | 49,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,809,000 | 9,562,000 | 14,203,000 | 18,798,000 |
| Interest expense | 1,670,000 | 3,290,000 | 4,785,000 | 6,235,000 |
| Net interest income | 3,139,000 | 6,272,000 | 9,418,000 | 12,563,000 |
| Noninterest income | 548,000 | 1,059,000 | 1,673,000 | 2,240,000 |
| Noninterest expense | 2,409,000 | 4,781,000 | 7,200,000 | 9,928,000 |
| Provision for loan losses | 237,000 | 474,000 | 711,000 | 948,000 |
| Pretax income | 1,043,000 | 2,078,000 | 3,165,000 | 3,912,000 |
| Income tax | 406,000 | 826,000 | 1,242,000 | 1,546,000 |
| Net income | 637,000 | 1,252,000 | 1,923,000 | 2,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,457,000 | 27,861,000 | 28,247,000 | 28,405,000 |
| Total capital | 30,972,000 | 31,486,000 | 31,862,000 | 32,019,000 |
| Risk-weighted assets | 280,964,000 | 289,831,000 | 288,987,000 | 288,898,000 |