Call reports 2014
SIMSBURY BANK AND TRUST COMPANY, INC., THE — 2014
What SIMSBURY BANK AND TRUST COMPANY, INC., THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 404,610,000 | 402,508,000 | 410,205,000 | 408,652,000 |
| Total loans | 280,774,000 | 281,047,000 | 288,913,000 | 290,705,000 |
| Allowance for loan losses | 2,779,000 | 2,736,000 | 2,761,000 | 2,761,000 |
| Securities available for sale | 87,040,000 | 84,806,000 | 85,535,000 | 83,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,663,000 | 345,470,000 | 376,194,000 | 356,134,000 |
| Interest-bearing deposits | 262,653,000 | 233,493,000 | 275,455,000 | 238,805,000 |
| Noninterest-bearing deposits | 109,010,000 | 111,977,000 | 100,739,000 | 117,329,000 |
| Equity capital | 27,756,000 | 28,493,000 | 28,451,000 | 29,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,122,000 | 6,141,000 | 9,222,000 | 12,298,000 |
| Interest expense | 216,000 | 443,000 | 659,000 | 871,000 |
| Net interest income | 2,906,000 | 5,698,000 | 8,563,000 | 11,427,000 |
| Noninterest income | 496,000 | 985,000 | 1,600,000 | 2,175,000 |
| Noninterest expense | 3,306,000 | 6,536,000 | 9,626,000 | 12,655,000 |
| Provision for loan losses | 30,000 | 30,000 | 55,000 | 55,000 |
| Pretax income | 66,000 | 220,000 | 585,000 | 1,042,000 |
| Income tax | -50,000 | -69,000 | 2,000 | 78,000 |
| Net income | 116,000 | 289,000 | 583,000 | 964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,575,000 | 28,600,000 | 28,713,000 | 28,914,000 |
| Total capital | 31,354,000 | 31,337,000 | 31,474,000 | 31,675,000 |
| Risk-weighted assets | 237,605,000 | 238,469,000 | 246,039,000 | 247,385,000 |