Call reports 2010
SALISBURY BANK AND TRUST COMPANY — 2010
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 561,976,000 | 564,373,000 | 582,619,000 | 574,334,000 |
| Total loans | 334,427,000 | 346,410,000 | 346,417,000 | 357,553,000 |
| Allowance for loan losses | 3,649,000 | 3,768,000 | 3,847,000 | 3,920,000 |
| Securities available for sale | 165,049,000 | 154,290,000 | 149,214,000 | 146,292,000 |
| Securities held to maturity | 60,000 | 59,000 | 58,000 | 56,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,903,000 | 432,450,000 | 440,006,000 | 438,762,000 |
| Interest-bearing deposits | 362,051,000 | 361,195,000 | 366,688,000 | 367,197,000 |
| Noninterest-bearing deposits | 68,852,000 | 71,255,000 | 73,318,000 | 71,565,000 |
| Equity capital | 43,498,000 | 44,781,000 | 47,811,000 | 45,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,003,000 | 12,221,000 | 18,414,000 | 24,601,000 |
| Interest expense | 1,987,000 | 3,910,000 | 5,776,000 | 7,547,000 |
| Net interest income | 4,016,000 | 8,311,000 | 12,638,000 | 17,054,000 |
| Noninterest income | 1,163,000 | 2,403,000 | 3,761,000 | 5,291,000 |
| Noninterest expense | 4,293,000 | 8,546,000 | 12,893,000 | 17,008,000 |
| Provision for loan losses | 180,000 | 440,000 | 620,000 | 1,000,000 |
| Pretax income | 706,000 | 1,729,000 | 2,902,000 | 4,353,000 |
| Income tax | 79,000 | 251,000 | 487,000 | 693,000 |
| Net income | 627,000 | 1,478,000 | 2,415,000 | 3,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,712,000 | 37,006,000 | 37,415,000 | 38,132,000 |
| Total capital | 40,420,000 | 40,817,000 | 41,300,000 | 42,098,000 |
| Risk-weighted assets | 390,336,000 | 388,844,000 | 387,251,000 | 396,930,000 |