Call reports 2005
FNB SALEM BANK & TRUST, NATIONAL ASSOCIATION — 2005
What FNB SALEM BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 368,076,000 | 387,728,000 | 398,148,000 | 401,957,000 |
| Total loans | 283,075,000 | 299,947,000 | 318,039,000 | 325,069,000 |
| Allowance for loan losses | 4,172,000 | 4,604,000 | 4,606,000 | 4,868,000 |
| Securities available for sale | 46,670,000 | 44,132,000 | 41,976,000 | 40,071,000 |
| Securities held to maturity | 609,000 | 531,000 | 520,000 | 513,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,791,000 | 309,214,000 | 318,327,000 | 313,062,000 |
| Interest-bearing deposits | 257,689,000 | 265,885,000 | 275,689,000 | 269,844,000 |
| Noninterest-bearing deposits | 41,102,000 | 43,329,000 | 42,638,000 | 43,218,000 |
| Equity capital | 49,979,000 | 50,302,000 | 52,485,000 | 53,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,076,000 | 10,384,000 | 16,220,000 | 22,335,000 |
| Interest expense | 1,642,000 | 3,448,000 | 5,511,000 | 7,728,000 |
| Net interest income | 3,434,000 | 6,936,000 | 10,709,000 | 14,607,000 |
| Noninterest income | 632,000 | 1,314,000 | 2,049,000 | 2,737,000 |
| Noninterest expense | 2,320,000 | 4,642,000 | 7,045,000 | 9,443,000 |
| Provision for loan losses | 232,000 | 774,000 | 1,086,000 | 1,719,000 |
| Pretax income | 1,514,000 | 2,834,000 | 4,627,000 | 6,182,000 |
| Income tax | 573,000 | 1,075,000 | 1,547,000 | 2,067,000 |
| Net income | 941,000 | 1,759,000 | 3,080,000 | 4,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,626,000 | 30,940,000 | 32,402,000 | 33,623,000 |
| Total capital | 34,529,000 | 35,066,000 | 36,713,000 | 38,037,000 |
| Risk-weighted assets | 311,945,000 | 329,607,000 | 344,602,000 | 352,628,000 |