Call reports 2018
SALISBURY BANK AND TRUST COMPANY — 2018
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,014,663,000 | 1,096,560,000 | 1,099,227,000 | 1,121,418,000 |
| Total loans | 837,429,000 | 880,383,000 | 906,959,000 | 917,110,000 |
| Allowance for loan losses | 7,058,000 | 7,381,000 | 7,745,000 | 7,831,000 |
| Securities available for sale | 79,904,000 | 85,056,000 | 95,780,000 | 91,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 834,341,000 | 899,767,000 | 904,517,000 | 928,845,000 |
| Interest-bearing deposits | 613,544,000 | 684,619,000 | 670,582,000 | 700,397,000 |
| Noninterest-bearing deposits | 220,797,000 | 215,148,000 | 233,935,000 | 228,448,000 |
| Equity capital | 105,089,000 | 106,175,000 | 107,789,000 | 110,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 9,298,000 | 19,049,000 | 29,565,000 | 40,372,000 |
| Interest expense | 1,152,000 | 2,707,000 | 4,569,000 | 6,607,000 |
| Net interest income | 8,146,000 | 16,342,000 | 24,996,000 | 33,765,000 |
| Noninterest income | 1,910,000 | 3,929,000 | 5,959,000 | 8,262,000 |
| Noninterest expense | 6,986,000 | 14,239,000 | 21,410,000 | 29,017,000 |
| Provision for loan losses | 326,000 | 793,000 | 1,171,000 | 1,728,000 |
| Pretax income | 2,729,000 | 5,235,000 | 8,365,000 | 11,582,000 |
| Income tax | 510,000 | 898,000 | 1,495,000 | 1,965,000 |
| Net income | 2,219,000 | 4,337,000 | 6,870,000 | 9,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,700,000 | 92,158,000 | 93,983,000 | 96,092,000 |
| Total capital | 97,862,000 | 99,666,000 | 101,836,000 | 104,013,000 |
| Risk-weighted assets | 794,042,000 | 836,274,000 | 855,003,000 | 860,594,000 |