Call reports 2004
SIMSBURY BANK AND TRUST COMPANY, INC., THE — 2004
What SIMSBURY BANK AND TRUST COMPANY, INC., THE 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 | 194,234,000 | 196,609,000 | 197,392,000 | 202,155,000 |
| Total loans | 133,695,000 | 132,097,000 | 135,954,000 | 143,363,000 |
| Allowance for loan losses | 1,693,000 | 1,692,000 | 1,702,000 | 1,702,000 |
| Securities available for sale | 37,209,000 | 38,165,000 | 37,041,000 | 38,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,391,000 | 179,675,000 | 178,616,000 | 183,136,000 |
| Interest-bearing deposits | 152,744,000 | 151,561,000 | 151,011,000 | 152,646,000 |
| Noninterest-bearing deposits | 25,647,000 | 28,114,000 | 27,605,000 | 30,490,000 |
| Equity capital | 13,307,000 | 13,122,000 | 13,661,000 | 14,255,000 |
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 | 2,140,000 | 4,269,000 | 6,439,000 | 8,699,000 |
| Interest expense | 421,000 | 821,000 | 1,234,000 | 1,663,000 |
| Net interest income | 1,719,000 | 3,448,000 | 5,205,000 | 7,036,000 |
| Noninterest income | 179,000 | 384,000 | 555,000 | 742,000 |
| Noninterest expense | 1,217,000 | 2,469,000 | 3,704,000 | 5,071,000 |
| Provision for loan losses | 20,000 | 20,000 | 25,000 | 25,000 |
| Pretax income | 661,000 | 1,343,000 | 2,031,000 | 2,682,000 |
| Income tax | 221,000 | 458,000 | 699,000 | 904,000 |
| Net income | 440,000 | 885,000 | 1,332,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,207,000 | 13,498,000 | 13,945,000 | 13,977,000 |
| Total capital | 14,534,000 | 14,821,000 | 15,320,000 | 15,433,000 |
| Risk-weighted assets | 105,229,000 | 105,492,000 | 109,657,000 | 116,262,000 |
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