Call reports 2001
SALISBURY BANK AND TRUST COMPANY — 2001
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 244,997,000 | 245,597,000 | 272,411,000 | 283,124,000 |
| Total loans | 144,708,000 | 147,086,000 | 147,649,000 | 144,511,000 |
| Allowance for loan losses | 1,402,000 | 1,410,000 | 1,434,000 | 1,445,000 |
| Securities available for sale | 87,644,000 | 84,026,000 | 84,680,000 | 102,248,000 |
| Securities held to maturity | 408,000 | 406,000 | 403,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,574,000 | 165,030,000 | 193,668,000 | 201,352,000 |
| Interest-bearing deposits | 134,771,000 | 134,334,000 | 160,137,000 | 163,649,000 |
| Noninterest-bearing deposits | 27,803,000 | 30,696,000 | 33,531,000 | 37,702,000 |
| Equity capital | 23,102,000 | 22,699,000 | 23,808,000 | 23,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,294,000 | 8,505,000 | 12,811,000 | 17,075,000 |
| Interest expense | 2,204,000 | 4,281,000 | 6,334,000 | 8,301,000 |
| Net interest income | 2,090,000 | 4,224,000 | 6,477,000 | 8,774,000 |
| Noninterest income | 505,000 | 1,092,000 | 1,647,000 | 2,257,000 |
| Noninterest expense | 1,601,000 | 3,209,000 | 4,845,000 | 6,727,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 977,000 | 2,075,000 | 3,254,000 | 4,284,000 |
| Income tax | 329,000 | 683,000 | 1,067,000 | 1,374,000 |
| Net income | 648,000 | 1,392,000 | 2,187,000 | 2,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,629,000 | 22,564,000 | 19,780,000 | 20,235,000 |
| Total capital | 24,099,000 | 24,047,000 | 21,267,000 | 21,739,000 |
| Risk-weighted assets | 125,771,000 | 127,726,000 | 132,888,000 | 135,385,000 |