Call reports 2011
SALISBURY BANK AND TRUST COMPANY — 2011
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 575,743,000 | 587,155,000 | 617,824,000 | 608,156,000 |
| Total loans | 365,403,000 | 368,978,000 | 367,962,000 | 375,790,000 |
| Allowance for loan losses | 3,976,000 | 3,979,000 | 4,027,000 | 4,076,000 |
| Securities available for sale | 124,093,000 | 138,284,000 | 149,966,000 | 154,690,000 |
| Securities held to maturity | 55,000 | 53,000 | 52,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 460,842,000 | 467,491,000 | 487,791,000 | 480,387,000 |
| Interest-bearing deposits | 386,152,000 | 388,506,000 | 405,366,000 | 398,185,000 |
| Noninterest-bearing deposits | 74,690,000 | 78,985,000 | 82,425,000 | 82,202,000 |
| Equity capital | 46,343,000 | 48,487,000 | 57,099,000 | 56,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,025,000 | 12,031,000 | 17,974,000 | 23,988,000 |
| Interest expense | 1,541,000 | 2,956,000 | 4,299,000 | 5,603,000 |
| Net interest income | 4,484,000 | 9,075,000 | 13,675,000 | 18,385,000 |
| Noninterest income | 1,391,000 | 2,620,000 | 3,723,000 | 5,414,000 |
| Noninterest expense | 4,393,000 | 8,789,000 | 13,065,000 | 17,292,000 |
| Provision for loan losses | 330,000 | 680,000 | 860,000 | 1,440,000 |
| Pretax income | 1,162,000 | 2,237,000 | 3,484,000 | 5,078,000 |
| Income tax | 211,000 | 394,000 | 598,000 | 950,000 |
| Net income | 951,000 | 1,843,000 | 2,886,000 | 4,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,551,000 | 38,909,000 | 45,879,000 | 46,578,000 |
| Total capital | 42,628,000 | 43,011,000 | 50,002,000 | 50,728,000 |
| Risk-weighted assets | 379,571,000 | 384,344,000 | 382,449,000 | 385,503,000 |