Call reports 2017
SIMSBURY BANK AND TRUST COMPANY, INC., THE — 2017
What SIMSBURY BANK AND TRUST COMPANY, INC., THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 505,906,000 | 525,557,000 | 514,006,000 | 504,081,000 |
| Total loans | 407,091,000 | 416,107,000 | 406,595,000 | 398,200,000 |
| Allowance for loan losses | 3,869,000 | 3,924,000 | 4,077,000 | 4,088,000 |
| Securities available for sale | 59,665,000 | 58,070,000 | 54,646,000 | 51,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 427,049,000 | 418,375,000 | 467,724,000 | 457,468,000 |
| Interest-bearing deposits | 296,059,000 | 285,207,000 | 340,471,000 | 313,765,000 |
| Noninterest-bearing deposits | 130,990,000 | 133,168,000 | 127,253,000 | 143,703,000 |
| Equity capital | 37,234,000 | 37,697,000 | 38,148,000 | 38,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,105,000 | 8,345,000 | 12,826,000 | 17,180,000 |
| Interest expense | 336,000 | 749,000 | 1,220,000 | 1,596,000 |
| Net interest income | 3,769,000 | 7,596,000 | 11,606,000 | 15,584,000 |
| Noninterest income | 555,000 | 1,259,000 | 2,090,000 | 2,849,000 |
| Noninterest expense | 3,273,000 | 6,739,000 | 10,268,000 | 13,532,000 |
| Provision for loan losses | 250,000 | 335,000 | 570,000 | 645,000 |
| Pretax income | 801,000 | 1,781,000 | 2,858,000 | 4,256,000 |
| Income tax | 167,000 | 417,000 | 704,000 | 1,261,000 |
| Net income | 634,000 | 1,364,000 | 2,154,000 | 2,995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,677,000 | 37,956,000 | 38,346,000 | 39,060,000 |
| Total capital | 41,546,000 | 41,880,000 | 42,423,000 | 43,148,000 |
| Risk-weighted assets | 347,351,000 | 365,503,000 | 362,788,000 | 358,757,000 |