Call reports 2005
SIMSBURY BANK AND TRUST COMPANY, INC., THE — 2005
What SIMSBURY BANK AND TRUST COMPANY, INC., THE 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 | 198,141,000 | 204,107,000 | 213,150,000 | 209,545,000 |
| Total loans | 141,777,000 | 144,133,000 | 149,989,000 | 147,241,000 |
| Allowance for loan losses | 1,702,000 | 1,711,000 | 1,721,000 | 1,720,000 |
| Securities available for sale | 38,296,000 | 40,042,000 | 40,869,000 | 40,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,760,000 | 186,476,000 | 185,519,000 | 191,152,000 |
| Interest-bearing deposits | 153,385,000 | 154,031,000 | 154,470,000 | 155,040,000 |
| Noninterest-bearing deposits | 27,375,000 | 32,445,000 | 31,049,000 | 36,112,000 |
| Equity capital | 14,541,000 | 14,821,000 | 15,171,000 | 15,376,000 |
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 | 2,297,000 | 4,677,000 | 7,180,000 | 9,760,000 |
| Interest expense | 433,000 | 921,000 | 1,489,000 | 2,126,000 |
| Net interest income | 1,864,000 | 3,756,000 | 5,691,000 | 7,634,000 |
| Noninterest income | 188,000 | 396,000 | 603,000 | 831,000 |
| Noninterest expense | 1,399,000 | 2,843,000 | 4,302,000 | 5,916,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 30,000 |
| Pretax income | 653,000 | 1,294,000 | 1,962,000 | 2,519,000 |
| Income tax | 228,000 | 443,000 | 663,000 | 845,000 |
| Net income | 425,000 | 851,000 | 1,299,000 | 1,674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,589,000 | 14,675,000 | 15,162,000 | 15,586,000 |
| Total capital | 16,037,000 | 16,171,000 | 16,753,000 | 17,160,000 |
| Risk-weighted assets | 115,623,000 | 119,435,000 | 127,161,000 | 125,586,000 |
Machine access — free, no API key
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