Call reports 2017
SALISBURY BANK AND TRUST COMPANY — 2017
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 939,448,000 | 974,526,000 | 979,317,000 | 986,691,000 |
| Total loans | 771,003,000 | 778,935,000 | 791,191,000 | 809,148,000 |
| Allowance for loan losses | 6,285,000 | 6,493,000 | 6,494,000 | 6,776,000 |
| Securities available for sale | 76,849,000 | 81,016,000 | 85,508,000 | 79,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 775,476,000 | 813,872,000 | 834,785,000 | 818,013,000 |
| Interest-bearing deposits | 574,261,000 | 594,418,000 | 608,963,000 | 597,684,000 |
| Noninterest-bearing deposits | 201,215,000 | 219,454,000 | 225,822,000 | 220,329,000 |
| Equity capital | 102,059,000 | 103,557,000 | 104,358,000 | 104,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 8,906,000 | 17,702,000 | 26,355,000 | 35,521,000 |
| Interest expense | 800,000 | 1,669,000 | 2,634,000 | 3,620,000 |
| Net interest income | 8,106,000 | 16,033,000 | 23,721,000 | 31,901,000 |
| Noninterest income | 1,856,000 | 3,796,000 | 5,632,000 | 6,236,000 |
| Noninterest expense | 7,202,000 | 13,706,000 | 20,373,000 | 26,978,000 |
| Provision for loan losses | 352,000 | 716,000 | 953,000 | 1,020,000 |
| Pretax income | 2,408,000 | 5,393,000 | 8,013,000 | 10,317,000 |
| Income tax | 671,000 | 1,464,000 | 2,244,000 | 3,334,000 |
| Net income | 1,737,000 | 3,929,000 | 5,769,000 | 6,983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,423,000 | 88,163,000 | 88,408,000 | 88,924,000 |
| Total capital | 94,859,000 | 94,815,000 | 95,078,000 | 95,810,000 |
| Risk-weighted assets | 734,817,000 | 746,553,000 | 744,729,000 | 764,129,000 |