Call reports 2003
SIMSBURY BANK AND TRUST COMPANY, INC., THE — 2003
What SIMSBURY BANK AND TRUST COMPANY, INC., THE 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 | 178,694,000 | 182,498,000 | 184,739,000 | 188,407,000 |
| Total loans | 120,852,000 | 126,285,000 | 128,695,000 | 132,493,000 |
| Allowance for loan losses | 1,547,000 | 1,594,000 | 1,636,000 | 1,670,000 |
| Securities available for sale | 24,320,000 | 29,942,000 | 33,128,000 | 37,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,528,000 | 166,174,000 | 168,718,000 | 172,076,000 |
| Interest-bearing deposits | 140,399,000 | 142,618,000 | 146,229,000 | 147,521,000 |
| Noninterest-bearing deposits | 21,129,000 | 23,556,000 | 22,489,000 | 24,555,000 |
| Equity capital | 11,668,000 | 11,896,000 | 12,312,000 | 12,772,000 |
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 | 2,282,000 | 4,468,000 | 6,601,000 | 8,695,000 |
| Interest expense | 574,000 | 1,086,000 | 1,542,000 | 1,988,000 |
| Net interest income | 1,708,000 | 3,382,000 | 5,059,000 | 6,707,000 |
| Noninterest income | 179,000 | 360,000 | 539,000 | 735,000 |
| Noninterest expense | 1,174,000 | 2,308,000 | 3,443,000 | 4,640,000 |
| Provision for loan losses | 55,000 | 100,000 | 145,000 | 180,000 |
| Pretax income | 658,000 | 1,334,000 | 2,010,000 | 2,622,000 |
| Income tax | 222,000 | 465,000 | 701,000 | 899,000 |
| Net income | 436,000 | 869,000 | 1,309,000 | 1,723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,429,000 | 11,663,000 | 12,103,000 | 12,732,000 |
| Total capital | 12,638,000 | 12,908,000 | 13,365,000 | 14,035,000 |
| Risk-weighted assets | 96,363,000 | 99,281,000 | 100,563,000 | 103,950,000 |
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