Call reports 2013
SALISBURY BANK AND TRUST COMPANY — 2013
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 597,341,000 | 596,977,000 | 585,256,000 | 586,371,000 |
| Total loans | 411,655,000 | 422,225,000 | 425,670,000 | 443,035,000 |
| Allowance for loan losses | 4,686,000 | 4,632,000 | 4,656,000 | 4,683,000 |
| Securities available for sale | 118,662,000 | 106,610,000 | 99,816,000 | 94,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,055,000 | 498,709,000 | 485,974,000 | 486,671,000 |
| Interest-bearing deposits | 409,591,000 | 408,506,000 | 402,082,000 | 401,994,000 |
| Noninterest-bearing deposits | 88,464,000 | 90,203,000 | 83,892,000 | 84,677,000 |
| Equity capital | 62,021,000 | 61,124,000 | 60,920,000 | 62,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,407,000 | 10,841,000 | 16,271,000 | 21,762,000 |
| Interest expense | 810,000 | 1,616,000 | 2,396,000 | 3,101,000 |
| Net interest income | 4,597,000 | 9,225,000 | 13,875,000 | 18,661,000 |
| Noninterest income | 1,625,000 | 3,265,000 | 4,726,000 | 6,172,000 |
| Noninterest expense | 4,596,000 | 9,256,000 | 13,882,000 | 18,408,000 |
| Provision for loan losses | 396,000 | 636,000 | 876,000 | 1,066,000 |
| Pretax income | 1,230,000 | 2,598,000 | 3,843,000 | 5,359,000 |
| Income tax | 187,000 | 476,000 | 695,000 | 909,000 |
| Net income | 1,043,000 | 2,122,000 | 3,148,000 | 4,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,248,000 | 49,822,000 | 50,492,000 | 51,361,000 |
| Total capital | 54,097,000 | 54,696,000 | 55,412,000 | 56,424,000 |
| Risk-weighted assets | 394,913,000 | 398,617,000 | 397,694,000 | 406,753,000 |