Call reports 2022
SALISBURY BANK AND TRUST COMPANY — 2022
What SALISBURY BANK AND TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,464,708,000 | 1,495,866,000 | 1,512,117,000 | 1,541,582,000 |
| Total loans | 1,080,201,000 | 1,149,461,000 | 1,190,827,000 | 1,228,517,000 |
| Allowance for loan losses | 12,915,000 | 13,703,000 | 14,334,000 | 14,846,000 |
| Securities available for sale | 215,652,000 | 203,110,000 | 189,161,000 | 187,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,296,692,000 | 1,322,252,000 | 1,330,988,000 | 1,363,837,000 |
| Interest-bearing deposits | 926,609,000 | 938,580,000 | 917,404,000 | 967,842,000 |
| Noninterest-bearing deposits | 370,083,000 | 383,672,000 | 413,584,000 | 395,995,000 |
| Equity capital | 147,888,000 | 145,314,000 | 141,221,000 | 146,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 11,118,000 | 22,849,000 | 35,858,000 | 50,010,000 |
| Interest expense | 582,000 | 1,209,000 | 2,143,000 | 4,049,000 |
| Net interest income | 10,536,000 | 21,640,000 | 33,715,000 | 45,961,000 |
| Noninterest income | 2,906,000 | 6,248,000 | 8,979,000 | 11,573,000 |
| Noninterest expense | 8,542,000 | 16,789,000 | 25,113,000 | 33,497,000 |
| Provision for loan losses | 363,000 | 1,463,000 | 2,158,000 | 2,683,000 |
| Pretax income | 4,705,000 | 9,731,000 | 15,469,000 | 21,399,000 |
| Income tax | 894,000 | 1,705,000 | 2,799,000 | 3,948,000 |
| Net income | 3,811,000 | 8,026,000 | 12,670,000 | 17,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 142,567,000 | 146,112,000 | 149,805,000 | 153,762,000 |
| Total capital | 155,665,000 | 160,002,000 | 164,325,000 | 168,786,000 |
| Risk-weighted assets | 1,113,439,000 | 1,204,662,000 | 1,241,120,000 | 1,256,562,000 |