Call reports 2018
SIMSBURY BANK AND TRUST COMPANY, INC., THE — 2018
What SIMSBURY BANK AND TRUST COMPANY, INC., THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 514,180,000 | 488,832,000 | 532,816,000 | 479,639,000 |
| Total loans | 394,167,000 | 400,542,000 | 394,358,000 | 390,287,000 |
| Allowance for loan losses | 4,099,000 | 4,167,000 | 4,315,000 | 4,387,000 |
| Securities available for sale | 47,730,000 | 45,957,000 | 42,710,000 | 41,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,645,000 | 439,644,000 | 483,422,000 | 428,192,000 |
| Interest-bearing deposits | 329,613,000 | 296,855,000 | 348,541,000 | 276,753,000 |
| Noninterest-bearing deposits | 137,032,000 | 142,789,000 | 134,881,000 | 151,439,000 |
| Equity capital | 38,584,000 | 39,099,000 | 39,710,000 | 41,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,387,000 | 8,864,000 | 13,596,000 | 18,223,000 |
| Interest expense | 386,000 | 718,000 | 1,238,000 | 1,643,000 |
| Net interest income | 4,001,000 | 8,146,000 | 12,358,000 | 16,580,000 |
| Noninterest income | 703,000 | 1,444,000 | 2,395,000 | 3,246,000 |
| Noninterest expense | 3,242,000 | 6,586,000 | 10,070,000 | 13,473,000 |
| Provision for loan losses | 25,000 | 55,000 | 205,000 | 280,000 |
| Pretax income | 1,437,000 | 2,949,000 | 4,478,000 | 6,073,000 |
| Income tax | 269,000 | 570,000 | 879,000 | 1,186,000 |
| Net income | 1,168,000 | 2,379,000 | 3,599,000 | 4,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,778,000 | 40,414,000 | 41,234,000 | 42,247,000 |
| Total capital | 43,877,000 | 44,581,000 | 45,549,000 | 46,634,000 |
| Risk-weighted assets | 356,539,000 | 366,100,000 | 359,416,000 | 353,677,000 |