Call reports 2012
SALISBURY BANK AND TRUST COMPANY — 2012
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 598,920,000 | 600,836,000 | 611,027,000 | 600,811,000 |
| Total loans | 377,184,000 | 384,574,000 | 383,151,000 | 394,997,000 |
| Allowance for loan losses | 4,166,000 | 4,208,000 | 4,179,000 | 4,360,000 |
| Securities available for sale | 145,919,000 | 135,662,000 | 125,665,000 | 126,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 482,804,000 | 488,212,000 | 500,517,000 | 501,512,000 |
| Interest-bearing deposits | 394,215,000 | 400,596,000 | 410,453,000 | 402,662,000 |
| Noninterest-bearing deposits | 88,589,000 | 87,616,000 | 90,064,000 | 98,850,000 |
| Equity capital | 58,019,000 | 58,865,000 | 60,107,000 | 61,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,852,000 | 11,618,000 | 17,226,000 | 22,652,000 |
| Interest expense | 1,186,000 | 2,275,000 | 3,318,000 | 4,318,000 |
| Net interest income | 4,666,000 | 9,343,000 | 13,908,000 | 18,334,000 |
| Noninterest income | 1,647,000 | 3,270,000 | 5,133,000 | 6,911,000 |
| Noninterest expense | 4,469,000 | 9,475,000 | 14,132,000 | 19,348,000 |
| Provision for loan losses | 180,000 | 360,000 | 690,000 | 1,070,000 |
| Pretax income | 1,676,000 | 3,057,000 | 4,498,000 | 5,106,000 |
| Income tax | 412,000 | 666,000 | 963,000 | 989,000 |
| Net income | 1,264,000 | 2,391,000 | 3,535,000 | 4,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,420,000 | 47,882,000 | 48,553,000 | 48,674,000 |
| Total capital | 51,662,000 | 52,176,000 | 52,778,000 | 53,128,000 |
| Risk-weighted assets | 381,914,000 | 380,146,000 | 378,102,000 | 385,830,000 |