Call reports 2004
FNB SALEM BANK & TRUST, NATIONAL ASSOCIATION — 2004
What FNB SALEM BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 356,995,000 | 383,704,000 | 372,062,000 | 367,027,000 |
| Total loans | 280,134,000 | 282,093,000 | 286,359,000 | 288,634,000 |
| Allowance for loan losses | 3,957,000 | 4,026,000 | 4,083,000 | 4,036,000 |
| Securities available for sale | 35,399,000 | 54,399,000 | 42,696,000 | 39,706,000 |
| Securities held to maturity | 1,844,000 | 1,146,000 | 1,132,000 | 620,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,665,000 | 311,463,000 | 302,402,000 | 298,842,000 |
| Interest-bearing deposits | 249,141,000 | 275,014,000 | 263,821,000 | 260,170,000 |
| Noninterest-bearing deposits | 35,524,000 | 36,449,000 | 38,581,000 | 38,672,000 |
| Equity capital | 49,769,000 | 49,331,000 | 50,057,000 | 50,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,593,000 | 9,288,000 | 14,292,000 | 19,298,000 |
| Interest expense | 1,396,000 | 2,829,000 | 4,372,000 | 5,968,000 |
| Net interest income | 3,197,000 | 6,459,000 | 9,920,000 | 13,330,000 |
| Noninterest income | 654,000 | 1,278,000 | 1,852,000 | 2,537,000 |
| Noninterest expense | 2,337,000 | 4,766,000 | 7,054,000 | 9,425,000 |
| Provision for loan losses | 225,000 | 655,000 | 910,000 | 1,165,000 |
| Pretax income | 1,289,000 | 2,316,000 | 3,847,000 | 5,317,000 |
| Income tax | 502,000 | 912,000 | 1,500,000 | 2,066,000 |
| Net income | 787,000 | 1,404,000 | 2,347,000 | 3,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,955,000 | 29,248,000 | 29,744,000 | 30,169,000 |
| Total capital | 32,694,000 | 33,104,000 | 33,652,000 | 34,137,000 |
| Risk-weighted assets | 298,897,000 | 308,327,000 | 312,479,000 | 317,348,000 |