Call reports 2002
SALISBURY BANK AND TRUST COMPANY — 2002
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 277,004,000 | 285,602,000 | 285,080,000 | 292,570,000 |
| Total loans | 141,227,000 | 139,003,000 | 138,666,000 | 137,090,000 |
| Allowance for loan losses | 1,455,000 | 1,473,000 | 1,383,000 | 1,458,000 |
| Securities available for sale | 114,688,000 | 120,278,000 | 129,853,000 | 135,169,000 |
| Securities held to maturity | 329,000 | 327,000 | 324,000 | 321,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,590,000 | 205,768,000 | 202,748,000 | 211,038,000 |
| Interest-bearing deposits | 165,541,000 | 169,326,000 | 167,024,000 | 172,108,000 |
| Noninterest-bearing deposits | 33,049,000 | 36,442,000 | 35,724,000 | 38,930,000 |
| Equity capital | 23,452,000 | 25,114,000 | 26,761,000 | 27,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,060,000 | 8,121,000 | 12,168,000 | 16,153,000 |
| Interest expense | 1,798,000 | 3,562,000 | 5,288,000 | 6,898,000 |
| Net interest income | 2,262,000 | 4,559,000 | 6,880,000 | 9,255,000 |
| Noninterest income | 549,000 | 1,140,000 | 1,784,000 | 2,487,000 |
| Noninterest expense | 1,799,000 | 3,773,000 | 5,605,000 | 7,734,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 300,000 |
| Pretax income | 989,000 | 2,057,000 | 3,411,000 | 4,342,000 |
| Income tax | 257,000 | 570,000 | 917,000 | 1,127,000 |
| Net income | 732,000 | 1,487,000 | 2,494,000 | 3,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,681,000 | 21,153,000 | 21,806,000 | 22,218,000 |
| Total capital | 22,194,000 | 22,676,000 | 23,233,000 | 23,838,000 |
| Risk-weighted assets | 135,937,000 | 138,913,000 | 136,511,000 | 139,760,000 |