Call reports 2010
SIMSBURY BANK AND TRUST COMPANY, INC., THE — 2010
What SIMSBURY BANK AND TRUST COMPANY, INC., THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 282,520,000 | 274,880,000 | 296,967,000 | 295,560,000 |
| Total loans | 195,382,000 | 204,840,000 | 208,859,000 | 204,936,000 |
| Allowance for loan losses | 2,207,000 | 2,306,000 | 2,309,000 | 2,326,000 |
| Securities available for sale | 59,914,000 | 46,075,000 | 51,737,000 | 54,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,796,000 | 249,693,000 | 270,377,000 | 269,317,000 |
| Interest-bearing deposits | 210,595,000 | 200,497,000 | 221,183,000 | 213,941,000 |
| Noninterest-bearing deposits | 44,201,000 | 49,196,000 | 49,194,000 | 55,376,000 |
| Equity capital | 21,057,000 | 21,493,000 | 22,091,000 | 21,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,969,000 | 6,062,000 | 9,179,000 | 12,239,000 |
| Interest expense | 482,000 | 921,000 | 1,377,000 | 1,814,000 |
| Net interest income | 2,487,000 | 5,141,000 | 7,802,000 | 10,425,000 |
| Noninterest income | 331,000 | 671,000 | 1,113,000 | 1,543,000 |
| Noninterest expense | 2,277,000 | 4,698,000 | 7,193,000 | 9,660,000 |
| Provision for loan losses | 225,000 | 425,000 | 605,000 | 755,000 |
| Pretax income | 316,000 | 689,000 | 1,117,000 | 1,553,000 |
| Income tax | 69,000 | 154,000 | 263,000 | 377,000 |
| Net income | 247,000 | 535,000 | 854,000 | 1,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,688,000 | 20,976,000 | 21,294,000 | 20,864,000 |
| Total capital | 22,830,000 | 23,127,000 | 23,587,000 | 23,150,000 |
| Risk-weighted assets | 171,326,000 | 171,936,000 | 183,448,000 | 182,803,000 |