Banks | Salisbury Bank and Trust Company

Salisbury Bank and Trust Company

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Deposit Rates - September 22, 2021

SAVINGS RATES	APY	MIN	MAX
Savings	0.08%	$2,500	$4,999	Compare

CD RATES	APY	MIN	MAX
6 Mo CD	0.25%	$10,000	$14,999	Compare
6 Mo CD	0.25%	$100,000	$199,999	Compare
12 Mo CD	0.25%	$10,000	$14,999	Compare
12 Mo CD	0.25%	$100,000	$199,999	Compare
18 Mo CD	0.30%	$10,000	$14,999	Compare
18 Mo CD	0.30%	$100,000	$199,999	Compare
24 Mo CD	0.45%	$10,000	$14,999	Compare
24 Mo CD	0.45%	$100,000	$199,999	Compare
30 Mo CD	0.45%	$10,000	$14,999	Compare
30 Mo CD	0.45%	$100,000	$199,999	Compare
36 Mo CD	0.55%	$10,000	$14,999	Compare
36 Mo CD	0.55%	$100,000	$199,999	Compare
48 Mo CD	0.65%	$10,000	$14,999	Compare
48 Mo CD	0.65%	$100,000	$199,999	Compare
60 Mo CD	0.80%	$10,000	$14,999	Compare
60 Mo CD	0.80%	$100,000	$199,999	Compare

MM RATES	APY	MIN	MAX
Money Market	0.05%	$2,500	$2,999	Compare
Money Market	0.08%	$10,000	$14,999	Compare
Money Market	0.08%	$25,000	$29,999	Compare

INT CHECKING RATES	APY	MIN	MAX
Int Ckg	0.03%	$1	$99
Int Ckg	0.03%	$2,500	$3,499

Loan Rates - September 22, 2021

MORTGAGE PURCHASE	APR(%)	MONTHLY PAYMENT
5 Year Adjustable Jumbo	4.78%	$1,157.79
5 Year Adjustable Conforming	4.78%	$1,157.79
7 Year Adjustable Jumbo	4.73%	$1,193.54
7 Year Adjustable Conforming	4.73%	$1,193.54
10 Year Adjustable Conforming	3.92%	$1,157.79
15 Year Fixed Conforming	4.02%	$1,834.22
15 Year Fixed Jumbo	4.43%	$1,897.19

MORTGAGE REFINANCE	APR(%)	MONTHLY PAYMENT
5 Year Adjustable Jumbo	4.78%	$1,157.79
5 Year Adjustable Conforming	4.78%	$1,157.79
7 Year Adjustable Jumbo	4.73%	$1,193.54
7 Year Adjustable Conforming	4.73%	$1,193.54
10 Year Adjustable Conforming	3.92%	$1,157.79
15 Year Fixed Conforming	4.02%	$1,834.22
15 Year Fixed Jumbo	4.43%	$1,897.19
20 Year Fixed Conforming	4.24%	$1,532.13

See Other Mortgage Rates →

HOME EQUITY RATES	APR(%)	MONTHLY PAYMENT
Line of Credit	5.50%	Varies
Compare with RATE Line of Credit from New American Funding
Compare with RATE Line of Credit from Figure Home Equity Line
Compare with 3.75 RATE Line of Credit from Bethpage Federal Credit Union
Compare with 4.84 RATE Line of Credit from BMO Harris Bank
Compare with 2.24 RATE Line of Credit from Third Federal Savings and Loan
10 Year Loan	5.50%	$542.63

See Other Home Equity Rates →

AUTO LOAN RATES	APR(%)	MONTHLY PAYMENT
3 Year	4.25%	$740.88
4 Year	4.25%	$567.28
5 Year	4.25%	$463.24

Overview 2021

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 18467
Date Established	1874
Assets	$ 1,403.13 million
Loans	$ 1,043.50 million
Deposits	$ 1,228.04 million
Capital	$ 144.38 million

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions	$ 159.20 million
Interest-bearing balances	$ 150.41 million
Total securities	$ 128.25 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 1,043.50 million
Loan loss allowance	$ 13.89 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 14.63 million
All other assets	$ 36.21 million
Total Assets	$ 1,258.75 million

LIABILITIES
Total deposits	$ 1,228.04 million
Interest-bearing deposits	$ 893.40 million
Deposits held in domestic offices	$ 1,228.04 million
% insured (estimated)	61.88%
Federal funds purchased and repurchase agreements	$ 8.69 million
Trading liabilities	N.A.
Other borrowed funds	$ 14.38 million
Subordinated debt	N.A.
All other liabilities	$ 7.65 millionn
Total Liabilities	$ 1,258.75 million
Shareholders’ Equity	$ 144.38 million

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income	$ 11.10 million
Total Interest Expense	$ 0.63 million
Net interest income	$ 10.47 million
Provision for loan and lease losses	$ 0.16 million
Total non interest income	$ 2.84 million
Total non interest expense	$ 7.11 million
Pre-tax Net Operating Income	$ 6.04 million

Salisbury Bank and Trust Company is an FDIC insured institution headquartered at 5 Bissell St, Lakeville, CT 6039.
It was founded in 1874 and has approximately $1 billion in assets. Customers can open an account at one of its 14 branches.

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