Call reports 2006
SALISBURY BANK AND TRUST COMPANY — 2006
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 404,525,000 | 412,341,000 | 426,386,000 | 449,242,000 |
| Total loans | 221,101,000 | 231,035,000 | 233,894,000 | 255,242,000 |
| Allowance for loan losses | 2,592,000 | 2,580,000 | 2,580,000 | 2,474,000 |
| Securities available for sale | 142,400,000 | 145,191,000 | 158,049,000 | 156,492,000 |
| Securities held to maturity | 78,000 | 77,000 | 76,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,682,000 | 298,434,000 | 307,909,000 | 313,589,000 |
| Interest-bearing deposits | 258,709,000 | 270,446,000 | 282,697,000 | 243,084,000 |
| Noninterest-bearing deposits | 30,973,000 | 27,988,000 | 25,212,000 | 70,505,000 |
| Equity capital | 42,194,000 | 40,616,000 | 44,230,000 | 43,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,437,000 | 11,181,000 | 17,338,000 | 23,695,000 |
| Interest expense | 2,167,000 | 4,698,000 | 7,452,000 | 10,459,000 |
| Net interest income | 3,270,000 | 6,483,000 | 9,886,000 | 13,236,000 |
| Noninterest income | 967,000 | 2,019,000 | 2,946,000 | 4,064,000 |
| Noninterest expense | 2,836,000 | 5,796,000 | 8,897,000 | 12,193,000 |
| Provision for loan losses | 0 | 0 | 0 | -87,000 |
| Pretax income | 1,475,000 | 2,767,000 | 4,229,000 | 5,711,000 |
| Income tax | 335,000 | 596,000 | 905,000 | 1,447,000 |
| Net income | 1,140,000 | 2,171,000 | 3,324,000 | 4,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,045,000 | 33,723,000 | 34,281,000 | 34,785,000 |
| Total capital | 35,764,000 | 36,417,000 | 36,980,000 | 37,295,000 |
| Risk-weighted assets | 226,161,000 | 227,537,000 | 229,202,000 | 248,929,000 |