Call reports 2013
SIMSBURY BANK AND TRUST COMPANY, INC., THE — 2013
What SIMSBURY BANK AND TRUST COMPANY, INC., THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 395,496,000 | 382,438,000 | 406,989,000 | 421,757,000 |
| Total loans | 239,312,000 | 253,869,000 | 277,105,000 | 281,921,000 |
| Allowance for loan losses | 2,604,000 | 2,643,000 | 2,764,000 | 2,792,000 |
| Securities available for sale | 114,747,000 | 100,218,000 | 96,613,000 | 87,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,383,000 | 324,632,000 | 363,844,000 | 358,556,000 |
| Interest-bearing deposits | 267,636,000 | 227,890,000 | 268,899,000 | 242,490,000 |
| Noninterest-bearing deposits | 93,747,000 | 96,742,000 | 94,945,000 | 116,066,000 |
| Equity capital | 29,285,000 | 27,722,000 | 27,709,000 | 27,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,871,000 | 5,788,000 | 8,876,000 | 12,054,000 |
| Interest expense | 220,000 | 440,000 | 666,000 | 917,000 |
| Net interest income | 2,651,000 | 5,348,000 | 8,210,000 | 11,137,000 |
| Noninterest income | 951,000 | 1,855,000 | 2,274,000 | 2,875,000 |
| Noninterest expense | 2,936,000 | 5,891,000 | 8,938,000 | 12,266,000 |
| Provision for loan losses | 30,000 | 110,000 | 230,000 | 345,000 |
| Pretax income | 713,000 | 1,306,000 | 1,414,000 | 1,510,000 |
| Income tax | 172,000 | 302,000 | 288,000 | 216,000 |
| Net income | 541,000 | 1,004,000 | 1,126,000 | 1,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,408,000 | 28,664,000 | 28,646,000 | 28,641,000 |
| Total capital | 31,012,000 | 31,307,000 | 31,410,000 | 31,433,000 |
| Risk-weighted assets | 214,176,000 | 220,783,000 | 237,167,000 | 240,334,000 |