Call reports 2005
SALISBURY BANK AND TRUST COMPANY — 2005
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 395,527,000 | 401,985,000 | 401,162,000 | 401,800,000 |
| Total loans | 205,534,000 | 209,280,000 | 210,287,000 | 218,616,000 |
| Allowance for loan losses | 2,591,000 | 2,673,000 | 2,743,000 | 2,626,000 |
| Securities available for sale | 151,669,000 | 154,220,000 | 151,710,000 | 145,608,000 |
| Securities held to maturity | 214,000 | 207,000 | 155,000 | 147,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,085,000 | 287,539,000 | 284,408,000 | 287,271,000 |
| Interest-bearing deposits | 272,432,000 | 257,613,000 | 257,284,000 | 256,198,000 |
| Noninterest-bearing deposits | 22,653,000 | 29,926,000 | 27,124,000 | 31,073,000 |
| Equity capital | 39,726,000 | 41,960,000 | 41,897,000 | 40,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,029,000 | 10,094,000 | 15,360,000 | 20,792,000 |
| Interest expense | 1,643,000 | 3,388,000 | 5,295,000 | 7,352,000 |
| Net interest income | 3,386,000 | 6,706,000 | 10,065,000 | 13,440,000 |
| Noninterest income | 902,000 | 1,778,000 | 2,662,000 | 3,655,000 |
| Noninterest expense | 3,009,000 | 5,966,000 | 9,032,000 | 12,414,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 210,000 |
| Pretax income | 1,675,000 | 3,175,000 | 4,652,000 | 5,681,000 |
| Income tax | 333,000 | 521,000 | 873,000 | 1,116,000 |
| Net income | 1,342,000 | 2,654,000 | 3,779,000 | 4,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,046,000 | 29,122,000 | 30,645,000 | 31,732,000 |
| Total capital | 31,767,000 | 31,917,000 | 33,333,000 | 34,492,000 |
| Risk-weighted assets | 258,962,000 | 269,850,000 | 214,874,000 | 222,133,000 |