Call reports 2015
SALISBURY BANK AND TRUST COMPANY — 2015
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 865,031,000 | 860,851,000 | 904,228,000 | 891,187,000 |
| Total loans | 682,243,000 | 683,085,000 | 693,950,000 | 705,497,000 |
| Allowance for loan losses | 5,182,000 | 5,059,000 | 5,659,000 | 5,716,000 |
| Securities available for sale | 81,179,000 | 79,416,000 | 80,371,000 | 76,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 733,624,000 | 729,524,000 | 770,463,000 | 757,145,000 |
| Interest-bearing deposits | 570,209,000 | 558,480,000 | 575,834,000 | 555,805,000 |
| Noninterest-bearing deposits | 163,415,000 | 171,044,000 | 194,629,000 | 201,340,000 |
| Equity capital | 94,618,000 | 95,435,000 | 96,591,000 | 97,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,671,000 | 17,217,000 | 25,867,000 | 34,612,000 |
| Interest expense | 749,000 | 1,506,000 | 2,263,000 | 3,010,000 |
| Net interest income | 7,922,000 | 15,711,000 | 23,604,000 | 31,602,000 |
| Noninterest income | 1,570,000 | 3,336,000 | 5,069,000 | 6,908,000 |
| Noninterest expense | 6,589,000 | 12,815,000 | 18,931,000 | 25,237,000 |
| Provision for loan losses | -200,000 | -3,000 | 651,000 | 917,000 |
| Pretax income | 3,278,000 | 6,421,000 | 9,283,000 | 12,548,000 |
| Income tax | 953,000 | 1,927,000 | 2,752,000 | 3,756,000 |
| Net income | 2,325,000 | 4,494,000 | 6,531,000 | 8,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,840,000 | 80,158,000 | 81,599,000 | 83,340,000 |
| Total capital | 84,298,000 | 85,432,000 | 87,507,000 | 89,249,000 |
| Risk-weighted assets | 680,296,000 | 661,595,000 | 693,517,000 | 681,364,000 |