Call reports 2004
SALISBURY BANK AND TRUST COMPANY — 2004
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 327,003,000 | 323,980,000 | 427,149,000 | 422,123,000 |
| Total loans | 140,104,000 | 145,391,000 | 204,466,000 | 204,865,000 |
| Allowance for loan losses | 1,708,000 | 1,769,000 | 2,462,000 | 2,512,000 |
| Securities available for sale | 163,465,000 | 153,462,000 | 177,094,000 | 178,654,000 |
| Securities held to maturity | 226,000 | 224,000 | 221,000 | 218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,569,000 | 219,774,000 | 299,234,000 | 299,186,000 |
| Interest-bearing deposits | 174,986,000 | 169,355,000 | 274,761,000 | 276,346,000 |
| Noninterest-bearing deposits | 43,583,000 | 50,419,000 | 24,473,000 | 22,840,000 |
| Equity capital | 29,965,000 | 26,789,000 | 41,004,000 | 40,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,754,000 | 7,569,000 | 11,673,000 | 16,546,000 |
| Interest expense | 1,269,000 | 2,542,000 | 3,932,000 | 5,658,000 |
| Net interest income | 2,485,000 | 5,027,000 | 7,741,000 | 10,888,000 |
| Noninterest income | 736,000 | 1,572,000 | 2,309,000 | 3,265,000 |
| Noninterest expense | 2,060,000 | 4,306,000 | 7,286,000 | 10,566,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 250,000 |
| Pretax income | 1,457,000 | 2,815,000 | 3,613,000 | 4,827,000 |
| Income tax | 375,000 | 622,000 | 620,000 | 781,000 |
| Net income | 1,082,000 | 2,193,000 | 2,993,000 | 4,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,273,000 | 25,373,000 | 28,228,000 | 28,369,000 |
| Total capital | 27,060,000 | 27,229,000 | 30,793,000 | 31,008,000 |
| Risk-weighted assets | 161,363,000 | 166,698,000 | 228,813,000 | 260,086,000 |