Call reports 2021
SALISBURY BANK AND TRUST COMPANY — 2021
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,403,129,000 | 1,436,666,000 | 1,477,518,000 | 1,528,798,000 |
| Total loans | 1,057,385,000 | 1,045,468,000 | 1,071,257,000 | 1,082,396,000 |
| Allowance for loan losses | 13,886,000 | 12,708,000 | 13,168,000 | 12,962,000 |
| Securities available for sale | 127,343,000 | 150,530,000 | 175,568,000 | 202,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,228,037,000 | 1,249,884,000 | 1,296,220,000 | 1,342,605,000 |
| Interest-bearing deposits | 893,399,000 | 890,367,000 | 903,898,000 | 926,532,000 |
| Noninterest-bearing deposits | 334,638,000 | 359,517,000 | 392,322,000 | 416,073,000 |
| Equity capital | 144,377,000 | 149,168,000 | 151,120,000 | 154,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 11,096,000 | 21,718,000 | 32,719,000 | 44,072,000 |
| Interest expense | 628,000 | 1,275,000 | 1,880,000 | 2,459,000 |
| Net interest income | 10,468,000 | 20,443,000 | 30,839,000 | 41,613,000 |
| Noninterest income | 2,835,000 | 5,785,000 | 8,603,000 | 11,432,000 |
| Noninterest expense | 7,108,000 | 14,995,000 | 23,103,000 | 31,433,000 |
| Provision for loan losses | 158,000 | -917,000 | -517,000 | -720,000 |
| Pretax income | 6,021,000 | 12,127,000 | 16,836,000 | 22,304,000 |
| Income tax | 1,308,000 | 2,625,000 | 3,588,000 | 4,653,000 |
| Net income | 4,713,000 | 9,502,000 | 13,248,000 | 17,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,995,000 | 133,162,000 | 136,074,000 | 139,681,000 |
| Total capital | 141,113,000 | 145,567,000 | 149,213,000 | 152,789,000 |
| Risk-weighted assets | 967,563,000 | 991,987,000 | 1,050,996,000 | 1,085,405,000 |