Call reports 2007
SALISBURY BANK AND TRUST COMPANY — 2007
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 429,889,000 | 441,161,000 | 455,164,000 | 460,868,000 |
| Total loans | 248,522,000 | 253,938,000 | 264,765,000 | 270,786,000 |
| Allowance for loan losses | 2,469,000 | 2,452,000 | 2,455,000 | 2,475,000 |
| Securities available for sale | 146,632,000 | 150,847,000 | 153,234,000 | 147,377,000 |
| Securities held to maturity | 74,000 | 73,000 | 72,000 | 71,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,018,000 | 308,554,000 | 313,089,000 | 317,748,000 |
| Interest-bearing deposits | 239,754,000 | 241,999,000 | 247,419,000 | 248,527,000 |
| Noninterest-bearing deposits | 65,264,000 | 66,555,000 | 65,670,000 | 69,221,000 |
| Equity capital | 43,662,000 | 41,767,000 | 43,166,000 | 44,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,425,000 | 12,772,000 | 19,361,000 | 26,103,000 |
| Interest expense | 3,071,000 | 6,068,000 | 9,235,000 | 12,432,000 |
| Net interest income | 3,354,000 | 6,704,000 | 10,126,000 | 13,671,000 |
| Noninterest income | 1,006,000 | 2,059,000 | 3,077,000 | 4,170,000 |
| Noninterest expense | 3,292,000 | 6,592,000 | 9,985,000 | 13,458,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,185,000 | 2,351,000 | 3,440,000 | 4,678,000 |
| Income tax | 237,000 | 461,000 | 638,000 | 873,000 |
| Net income | 948,000 | 1,890,000 | 2,802,000 | 3,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,220,000 | 35,752,000 | 35,933,000 | 36,174,000 |
| Total capital | 37,721,000 | 38,237,000 | 38,420,000 | 38,683,000 |
| Risk-weighted assets | 239,380,000 | 249,062,000 | 258,639,000 | 263,357,000 |