Call reports 2016
SALISBURY BANK AND TRUST COMPANY — 2016
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 891,825,000 | 913,578,000 | 928,508,000 | 935,343,000 |
| Total loans | 734,905,000 | 755,240,000 | 760,352,000 | 769,311,000 |
| Allowance for loan losses | 5,877,000 | 5,718,000 | 5,892,000 | 6,127,000 |
| Securities available for sale | 79,034,000 | 80,437,000 | 76,801,000 | 79,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 758,477,000 | 757,194,000 | 789,624,000 | 784,451,000 |
| Interest-bearing deposits | 566,293,000 | 568,012,000 | 579,228,000 | 566,031,000 |
| Noninterest-bearing deposits | 192,184,000 | 189,182,000 | 210,396,000 | 218,420,000 |
| Equity capital | 98,583,000 | 99,843,000 | 100,914,000 | 101,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,583,000 | 17,105,000 | 25,774,000 | 34,453,000 |
| Interest expense | 764,000 | 1,565,000 | 2,393,000 | 3,230,000 |
| Net interest income | 7,819,000 | 15,540,000 | 23,381,000 | 31,223,000 |
| Noninterest income | 1,649,000 | 3,481,000 | 5,336,000 | 6,778,000 |
| Noninterest expense | 6,757,000 | 13,251,000 | 19,658,000 | 26,522,000 |
| Provision for loan losses | 463,000 | 988,000 | 1,332,000 | 1,835,000 |
| Pretax income | 2,250,000 | 4,929,000 | 7,884,000 | 10,228,000 |
| Income tax | 528,000 | 1,196,000 | 2,009,000 | 2,958,000 |
| Net income | 1,722,000 | 3,733,000 | 5,875,000 | 7,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,180,000 | 85,181,000 | 86,666,000 | 87,392,000 |
| Total capital | 90,245,000 | 91,122,000 | 92,739,000 | 93,690,000 |
| Risk-weighted assets | 720,415,000 | 717,389,000 | 716,619,000 | 724,953,000 |