Call reports 2015
SIMSBURY BANK AND TRUST COMPANY, INC., THE — 2015
What SIMSBURY BANK AND TRUST COMPANY, INC., THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 405,750,000 | 419,578,000 | 415,071,000 | 444,704,000 |
| Total loans | 295,987,000 | 307,753,000 | 313,398,000 | 327,917,000 |
| Allowance for loan losses | 2,799,000 | 2,834,000 | 2,897,000 | 3,028,000 |
| Securities available for sale | 81,840,000 | 75,912,000 | 72,395,000 | 71,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,656,000 | 333,945,000 | 374,832,000 | 373,236,000 |
| Interest-bearing deposits | 251,965,000 | 223,359,000 | 259,701,000 | 237,062,000 |
| Noninterest-bearing deposits | 108,691,000 | 110,586,000 | 115,131,000 | 136,174,000 |
| Equity capital | 29,628,000 | 29,294,000 | 29,989,000 | 36,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,111,000 | 6,232,000 | 9,435,000 | 12,678,000 |
| Interest expense | 195,000 | 402,000 | 603,000 | 667,000 |
| Net interest income | 2,916,000 | 5,830,000 | 8,832,000 | 12,011,000 |
| Noninterest income | 465,000 | 1,225,000 | 2,072,000 | 2,799,000 |
| Noninterest expense | 2,952,000 | 6,106,000 | 9,352,000 | 12,601,000 |
| Provision for loan losses | 50,000 | 80,000 | 145,000 | 277,000 |
| Pretax income | 422,000 | 938,000 | 1,506,000 | 2,071,000 |
| Income tax | 63,000 | 153,000 | 277,000 | 384,000 |
| Net income | 359,000 | 785,000 | 1,229,000 | 1,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,258,000 | 29,508,000 | 29,778,000 | 36,234,000 |
| Total capital | 32,057,000 | 32,342,000 | 32,675,000 | 39,262,000 |
| Risk-weighted assets | 257,865,000 | 266,205,000 | 266,630,000 | 276,341,000 |