Call reports 2009
SALISBURY BANK AND TRUST COMPANY — 2009
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 495,873,000 | 532,489,000 | 554,616,000 | 559,118,000 |
| Total loans | 302,145,000 | 297,884,000 | 315,853,000 | 331,395,000 |
| Allowance for loan losses | 3,005,000 | 3,309,000 | 3,429,000 | 3,473,000 |
| Securities available for sale | 149,621,000 | 153,829,000 | 169,407,000 | 141,902,000 |
| Securities held to maturity | 65,000 | 64,000 | 63,000 | 62,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,766,000 | 402,033,000 | 414,803,000 | 424,618,000 |
| Interest-bearing deposits | 303,314,000 | 337,250,000 | 350,082,000 | 348,178,000 |
| Noninterest-bearing deposits | 63,452,000 | 64,782,000 | 64,721,000 | 76,440,000 |
| Equity capital | 36,460,000 | 38,304,000 | 42,804,000 | 42,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,488,000 | 12,865,000 | 19,511,000 | 25,792,000 |
| Interest expense | 2,284,000 | 4,592,000 | 6,850,000 | 9,033,000 |
| Net interest income | 4,204,000 | 8,273,000 | 12,661,000 | 16,759,000 |
| Noninterest income | 1,277,000 | 2,593,000 | 3,852,000 | 5,086,000 |
| Noninterest expense | 4,072,000 | 8,504,000 | 13,293,000 | 17,745,000 |
| Provision for loan losses | 430,000 | 745,000 | 925,000 | 985,000 |
| Pretax income | 1,406,000 | 925,000 | 1,603,000 | 2,460,000 |
| Income tax | 263,000 | -85,000 | -83,000 | -35,000 |
| Net income | 1,143,000 | 1,010,000 | 1,686,000 | 2,495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,519,000 | 36,427,000 | 36,645,000 | 36,531,000 |
| Total capital | 39,556,000 | 39,776,000 | 40,165,000 | 40,064,000 |
| Risk-weighted assets | 337,067,000 | 364,372,000 | 376,152,000 | 385,256,000 |