Call reports 2019
SALISBURY BANK AND TRUST COMPANY — 2019
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,118,923,000 | 1,119,088,000 | 1,144,240,000 | 1,112,449,000 |
| Total loans | 919,938,000 | 919,864,000 | 924,435,000 | 936,640,000 |
| Allowance for loan losses | 8,750,000 | 8,887,000 | 8,846,000 | 8,895,000 |
| Securities available for sale | 98,255,000 | 100,149,000 | 94,814,000 | 91,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 944,751,000 | 953,219,000 | 968,709,000 | 921,779,000 |
| Interest-bearing deposits | 725,583,000 | 722,201,000 | 720,938,000 | 683,927,000 |
| Noninterest-bearing deposits | 219,168,000 | 231,018,000 | 247,771,000 | 237,852,000 |
| Equity capital | 113,280,000 | 116,194,000 | 118,888,000 | 121,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 10,855,000 | 21,686,000 | 32,709,000 | 43,413,000 |
| Interest expense | 2,263,000 | 4,598,000 | 6,800,000 | 8,686,000 |
| Net interest income | 8,592,000 | 17,088,000 | 25,909,000 | 34,727,000 |
| Noninterest income | 1,947,000 | 3,904,000 | 6,049,000 | 8,445,000 |
| Noninterest expense | 7,033,000 | 14,050,000 | 21,031,000 | 27,979,000 |
| Provision for loan losses | 293,000 | 445,000 | 539,000 | 955,000 |
| Pretax income | 3,215,000 | 6,792,000 | 10,680,000 | 14,526,000 |
| Income tax | 587,000 | 1,253,000 | 1,970,000 | 2,611,000 |
| Net income | 2,628,000 | 5,539,000 | 8,710,000 | 11,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,064,000 | 100,293,000 | 102,844,000 | 105,430,000 |
| Total capital | 106,907,000 | 109,272,000 | 111,788,000 | 114,421,000 |
| Risk-weighted assets | 863,889,000 | 869,168,000 | 888,771,000 | 890,978,000 |