0001554795-22-000031.txt : 20220126 0001554795-22-000031.hdr.sgml : 20220126 20220126120945 ACCESSION NUMBER: 0001554795-22-000031 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20220126 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220126 DATE AS OF CHANGE: 20220126 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SALISBURY BANCORP, INC. CENTRAL INDEX KEY: 0001060219 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 061514263 STATE OF INCORPORATION: CT FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-14854 FILM NUMBER: 22556722 BUSINESS ADDRESS: STREET 1: 5 BISSELL ST STREET 2: PO BOX 1868 CITY: LAKEVILLE STATE: CT ZIP: 06039-1868 BUSINESS PHONE: 8604359801 MAIL ADDRESS: STREET 1: 5 BISSELL ST STREET 2: PO BOX 1868 CITY: LAKEVILLE STATE: CT ZIP: 06039-1868 FORMER COMPANY: FORMER CONFORMED NAME: Salisbury Bancorp, Inc. DATE OF NAME CHANGE: 20210422 FORMER COMPANY: FORMER CONFORMED NAME: SALISBURY BANCORP INC DATE OF NAME CHANGE: 19980420 8-K 1 sal0124form8k.htm FORM 8-K
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

________________________

 

FORM 8-K

________________________

 

CURRENT REPORT

 

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

 

Date of Report (Date of earliest event reported)

 

January 26, 2022

________________________

SALISBURY BANCORP, INC.

(Exact name of registrant as specified in its charter)

________________________

 

Connecticut

(State of other jurisdiction

of incorporation)

  

001-14854

(Commission

File Number)

  

06-1514263

(IRS Employer

Identification No.)

 

5 Bissell Street, Lakeville, Connecticut

(Address of principal executive offices)

  

 

 

06039

(Zip Code)

 

  Registrant’s telephone number, including area code: (860) 435-9801  
 

(Former name or former address, if changed since last report)

________________________

  
           

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class Trading Symbol(s) Name of Each Exchange on Which Registered
Common Stock, $0.10 par value per share SAL NASDAQ

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging Growth Company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ 

   

 

 

 

Section 2.Financial Information

Item 2.02.Results of Operations and Financial Condition

On January 26, 2022 Salisbury Bancorp, Inc. (“Salisbury”) (NASDAQ: “SAL”), the holding company for Salisbury Bank and Trust Company (the “Bank”), issued a press release announcing results for its fourth quarter and full year ended December 31, 2021. The press release is attached as Exhibit 99.1 and is incorporated herein by reference.

Item 7.01.Regulation FD Disclosure

 

On January 26, 2022, Salisbury announced that investor presentation slides, which include a review of financial results and trends through the period ended December 31, 2021, are available in the Shareholder Relations section of Salisbury’s website at salisburybank.com under News & Market Information/Presentations. The information in this Item 7.01 shall not be deemed to be “filed” for purposes of Section 18 of the Securities and Exchange Act of 1934, as amended (the “Exchange Act”) or otherwise subject to the liabilities of that Section, and is not incorporated by reference into any other filing under the Securities Act of 1933, as amended, or the Exchange Act.

 

Section 9.Financial Statements and Exhibits

 

Item 9.01.Financial Statement and Exhibits

 

    (a) Not Applicable.
       
    (b) Not Applicable.
       
    (c) Not Applicable.
       
    (d) Exhibits.
       
Exhibit No.   Description
     
99.1   Press release dated December 31, 2021
     

 

   

 

 

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned hereunto duly authorized.

    Salisbury Bancorp, Inc.
     
Date: January 26, 2022 By:

/s/ Peter Albero                                

Peter Albero

Executive Vice President and Chief Financial Officer

 EX-99.1 2 sal0124form8kexh99_1.htm EXHIBIT 99.1

Exhibit 99.1

 

Wednesday, January 26, 2022

Company Press Release

 

Source: Salisbury Bancorp, Inc.

 

Salisbury Contact: Richard J. Cantele, Jr., President and Chief Executive Officer

860-435-9801 or rcantele@salisburybank.com

 

FOR IMMEDIATE RELEASE

 

SALISBURY BANCORP, INC. REPORTS RECORD FULL YEAR 2021 RESULTS AND INCREASES DIVIDEND

 

·Fourth Quarter and Record Full Year 2021 Net Income of $1.45 and $5.77 per Basic Common Share, Respectively
·Quarterly Cash Dividend Increases 3.2% to $0.32 Per Common Share in First Quarter 2022
·Non-performing Assets Improved to 0.27% of Total Assets from 0.44% at December 31, 2020
·Common Equity Tier 1 and Total Risk-Based Capital Ratios of 12.87% and 14.08%, Respectively
·Book Value and Tangible Book Value Per Common Share Increased 9% and 10%, Respectively in 2021

 

Lakeville, Connecticut, January 26, 2022 /GlobeNewswire…..Salisbury Bancorp, Inc. (“Salisbury”), (NASDAQ Capital Market: “SAL”), the holding company for Salisbury Bank and Trust Company (the “Bank”), announced results for its fourth quarter and full year ended December 31, 2021. The record results for 2021 reflected an increase in income available to common shareholders to $16.2 million, or $5.77 per basic common share, compared with $11.8 million, or $4.21 per basic common share in 2020.

Net income available to common shareholders was $4.1 million, or $1.45 per basic common share, for Salisbury’s fourth quarter ended December 31, 2021 (fourth quarter 2021), compared with $3.4 million, or $1.21 per basic common share, for the third quarter ended September 30, 2021 (third quarter 2021), and $2.8 million, or $0.99 per basic common share, for the fourth quarter ended December 31, 2020 (fourth quarter 2020). Net income for full year 2021 included a pre-tax release of credit reserves of $0.7 million compared with a provision expense of $5.0 million in full year 2020.

Salisbury’s President and Chief Executive Officer, Richard J. Cantele, Jr., stated, “although COVID-19 challenged us again in 2021, we reported record earnings for the third year in a row and our credit metrics continue to improve due to the dedication and hard work of our employees. In 2021, we also processed nearly $50 million of additional loan applications under the Paycheck Protection Program (“PPP”), bringing the total loan volume since the inception of this program to almost $150 million. As we enter the new year, we are cautiously optimistic that the business environment will remain favorable and we are focused on driving disciplined growth across our markets. In January 2022, we hired a third commercial lender as an integral part of this strategy and we also relocated our Poughkeepsie, New York branch to a more accessible location. Salisbury Bank is well-positioned to meet the needs of our customers, and our employees remain committed to providing outstanding customer service.”

Net Interest and Dividend Income

Tax equivalent net interest income of $10.7 million for the fourth quarter 2021 increased $0.4 million, or 3.8%, versus third quarter 2021, and increased $0.7 million, or 7.4% compared with fourth quarter 2020. Tax equivalent interest income of $11.5 million for fourth quarter 2021 increased $0.4 million, or 3.2%, versus third quarter 2021 and increased $0.6 million, or 5.5% from fourth quarter 2020.

The cost of interest-bearing liabilities of $0.8 million for fourth quarter 2021 was essentially unchanged from third quarter 2021 and declined $0.1 million, or 15.1% from fourth quarter 2020. The decrease in interest expense compared with fourth quarter 2020 primarily reflected lower deposit costs.

Average earning assets of $1.4 billion for fourth quarter 2021 increased $15.7 million, or 1.1%, from third quarter 2021, and increased $170.2 million, or 13.6%, versus fourth quarter 2020. The growth in average earning assets from fourth quarter 2020 primarily reflected higher average short-term fund balances due to deposit growth, higher average balances in the available-for-sale portfolio and higher average loan balances. Average earning assets for fourth quarter 2021 included average PPP loan balances of $32.0 million, net of deferred fees, compared with $51.8 million in third quarter 2021 and $93.4 million in fourth quarter 2020. Average total interest bearing liabilities of $1.0 billion for fourth quarter 2021 increased $3.2 million, or 0.3%, from third quarter 2021. Average total interest bearing liabilities for fourth quarter 2021 increased $87.0 million, or 10.1%, versus fourth quarter 2020 primarily due to higher average deposit and subordinated debt balances, which were partially offset by lower average Federal Home Loan Bank of Boston (FHLBB) borrowings.

The tax equivalent net interest margin for fourth quarter 2021 was 2.99% compared with 2.92% for third quarter 2021 and 3.17% for fourth quarter 2020. Excluding PPP loans, the tax equivalent net interest margin for fourth quarter 2021 was 2.87% compared with 2.78% for third quarter 2021 and 3.13% for fourth quarter 2020. See SUPPLEMENTAL INFORMATION – Net Interest and Dividend Income on page 9 on this release for additional details.

Non-Interest Income

Non-interest income of $2.8 million for fourth quarter 2021 was essentially unchanged from third quarter 2021 and increased $371 thousand versus fourth quarter 2020.

Trust and Wealth Advisory fees of $1.3 million for fourth quarter 2021 were consistent with third quarter 2021 and increased $220 thousand versus fourth quarter 2020. The increase from fourth quarter 2020 primarily reflected higher asset-based fees. Assets under administration were $1.1 billion at December 31, 2021 compared with $973.2 million at September 30, 2021 and $944.3 million at December 31, 2020. Discretionary assets under administration of $657.8 million in fourth quarter 2021 increased from $608.2 million in third quarter 2021 and $555.0 million in fourth quarter 2020 primarily due to higher market valuations. Non-discretionary assets under administration of $425.4 million in fourth quarter 2021 increased from $365.0 million in third quarter 2021 and increased from $389.4 million in fourth quarter 2020 primarily due to the higher valuation of certain partnership assets for an existing non-discretionary client relationship for which the wealth management business records only a nominal annual fee.

Service charges and fees of $1.3 million for fourth quarter 2021 increased $75 thousand versus third quarter 2021 and increased $428 thousand versus fourth quarter 2020. The increase from third quarter 2021 primarily reflected higher loan prepayment fees whereas the increase from fourth quarter 2020 primarily reflected higher deposit fees. Salisbury waived approximately $200 thousand in deposit fees in fourth quarter 2020 due to the COVID-19 pandemic. Income from mortgage sales and servicing decreased slightly versus third quarter 2021 and decreased $351 thousand versus fourth quarter 2020. The decline from fourth quarter 2020 reflected the lower volume of residential mortgage loans sold to the FHLBB.

Non-interest income for the fourth quarter 2021 included BOLI income of $170 thousand compared with income of $135 thousand in third quarter 2021 and $110 thousand in fourth quarter 2020.

Non-Interest Expense

Non-interest expense of $8.5 million for fourth quarter 2021 increased $187 thousand versus third quarter 2021 and increased $417 thousand versus fourth quarter 2020. Compensation expense of $4.8 million for fourth quarter 2021 increased $103 thousand from third quarter 2021 and similarly increased slightly versus fourth quarter 2020. The increase from the comparative periods primarily reflected higher salary expense and higher production and incentive accruals, partly offset by lower benefits costs.

Excluding compensation, other non-interest expenses for fourth quarter 2021 increased $84 thousand from third quarter 2021 and increased $373 thousand from fourth quarter 2020. The increase from third quarter 2021 primarily reflected higher Director fees, higher marketing expense and higher FDIC insurance costs, partially offset by a pre-tax loss of $144 thousand recorded in third quarter 2021 on the sale of the building housing the Bank’s branch in Poughkeepsie, New York. In January 2022, Salisbury completed this sale and relocated the branch to leased space nearby. The increase in expenses from fourth quarter 2020 primarily reflected higher marketing costs associated with Salisbury’s web site redesign and branding initiatives as well as increased data processing costs, and higher Directors fees.

The effective income tax rates for fourth quarter 2021, third quarter 2021 and fourth quarter 2020 were 19.1%, 20.1% and 17.5%, respectively. The higher tax rate in 2021 primarily reflected a lower mix of tax-exempt income from municipal bonds, tax advantaged loans and bank-owned life insurance on a comparatively higher level of pre-tax income.

Full Year Results

2021 net income available to common shareholders was $16.2 million, or $5.77 per basic common share, compared with $11.8 million, or $4.21 per basic common share for 2020. Results for 2021 included a net release of credit reserves of $0.7 million compared with a provision of $5.0 million for 2020.

Tax equivalent net interest income of $41.3 million for 2021 increased $2.5 million, or 6.4%, from $38.8 million in 2020. Tax equivalent interest income of $44.8 million for 2021 increased $0.7 million, or 1.5%, from $44.1 million in 2020. In 2021 Salisbury recorded PPP interest income and net fee income of $0.7 million and $2.9 million, respectively, compared with $0.7 million and $1.4 million, respectively, in 2020. This increase in net PPP fee income was mostly offset by lower interest income on loans due to declining interest rates.

The cost of interest-bearing liabilities of $3.4 million for 2021 decreased $1.8 million, or 34.8%, from $5.3 million in 2020. The decrease primarily reflected lower deposit interest expense and lower interest expense on FHLBB advances, partially offset by higher interest expense on subordinated debt. Salisbury issued $25 million of subordinated debt in March 2021 and subsequently fully redeemed the outstanding $10 million of subordinated debt issued in 2015.

Average earning assets of $1.4 billion increased $186.5 million, or 15.8%, from $1.2 billion in 2020 and average total interest bearing liabilities of $932.5 million increased $111.4 million, or 13.6%, from $821.1 million in 2020. The tax equivalent net interest margin for 2021 was 3.01% compared with 3.28% for 2020. Excluding PPP, the tax equivalent net interest margin for 2021 was 2.87% compared with 3.28% for 2020.

Non-interest income of $11.5 million for 2021 increased $1.2 million from $10.3 million in 2020. The increase primarily reflected higher trust and wealth fees, higher deposit and interchange fees, partially offset by lower gains on the sale and servicing of mortgage loans and a non-recurring BOLI gain of $601 thousand recorded in 2020. Salisbury waived approximately $754 thousand of deposit and transaction fees in 2020 due to the COVID-19 pandemic. In addition, Salisbury sold $34.6 million of mortgage loans in 2021 compared with sales of $59.8 million in 2020.

Non-interest expense of $32.1 million for 2021 increased $3.1 million versus $29.0 million in 2020. The increase primarily reflected higher compensation, data processing and marketing costs. Non-interest expenses for 2021 also included a pre-tax loss of $144 thousand on the pending sale of the Poughkeepsie, New York building.

The effective tax rate for 2021 was 20.6% compared with 17.0% for 2020. The higher tax rate in 2021 reflected a lower mix of tax-exempt income from municipal bonds, tax advantaged loans and bank-owned life insurance on a comparatively higher level of pre-tax income. In addition, the tax rate for 2020 reflected $601 thousand of non-taxable BOLI proceeds received in that period.

Loans

Gross loans receivable of $1.1 billion at December 31, 2021 increased $9.0 million, or 0.8%, from third quarter 2021 and $38.2 million, or 3.7%, from fourth quarter 2020. Excluding PPP loans, gross loans receivable increased $24.1 million, or 2.3%, from third quarter 2021 and $99.3 million, or 10.4%, from fourth quarter 2020 reflecting strong growth in both the residential and commercial portfolios.

The increase in residential real estate balances during fourth quarter 2021 reflected continued strong origination volume and low sales volume to FHLBB. Approximately $4.2 million of residential loans were sold to FHLB Boston in fourth quarter 2021 compared with $1.8 million during third quarter 2021 and $14.6 million in fourth quarter 2020. Commercial real estate loan balances at December 31, 2021 were reduced by approximately $10.2 million due to the pay-off of two hotel loans during fourth quarter 2021. The ratio of gross loans to deposits for fourth quarter 2021 was 80.8% compared with 83.0% for third quarter 2021 and 92.2% for fourth quarter 2020. Balances by loan type for the comparative periods were as follows:

Loan Type    Q4 2021      Q3 2021      Q4 2020  
Residential Real Estate  $468,464   $454,468   $425,677 
Commercial Real Estate   369,761    361,965    342,563 
    Commercial & Industrial ex PPP Loans   169,543    167,528    140,516 
    PPP Loans   25,589    40,652    86,632 
Commercial & Industrial – Total   195,132    208,180    227,148 
Farm Land   2,807    3,409    3,198 
Vacant Land   14,182    13,698    14,079 
Municipal   16,534    18,061    21,512 
Consumer   12,547    11,152    7,687 
Deferred Costs/(Fees)   285    (314)   (372)
Gross Loans Receivable  $1,079,712   $1,070,619   $1,041,492 
Gross Loans Receivable ex PPP  $1,054,123   $1,029,967   $954,860 

Asset Quality

Non-performing assets decreased $0.8 million during fourth quarter 2021 to $4.2 million, or 0.27% of total assets at December 31, 2021, from $5.0 million, or 0.34% of total assets at September 30, 2021, and decreased $1.4 million from $5.6 million, or 0.44% of total assets, at December 31, 2020.

The amount of total impaired and potential problem loans was $32.8 million, or 3.04% of gross loans receivable, at December 31, 2021 compared with $30.1 million, or 2.89% of gross loans receivable, at December 31, 2020. The increase from year-end 2020 primarily reflected the reduction of internal risk ratings on loans to certain borrowers in the hospitality and entertainment and recreation industries due to COVID-19.

Accruing loans receivable 30-to-89 days past due increased $0.4 million during fourth quarter 2021 to $1.3 million, or 0.12% of gross loans receivable, from $909 thousand, or 0.08% of gross loans receivable at September 30, 2021, and decreased $5.5 million from $6.9 million, or 0.66% of gross loans receivable at December 31, 2020.

The allowance for loan losses for fourth quarter 2021 was $13.0 million compared with $13.2 million for third quarter 2021 and $13.8 million for fourth quarter 2020. The fourth quarter 2021 included a net reserve release of $0.2 million compared with a provision expense of $0.4 million in third quarter 2021 and a provision expense of $0.8 million in the fourth quarter 2020. The net release of credit reserves in fourth quarter 2021 primarily reflected the transfer of the remaining loans in the discrete COVID-19 pool, which carries a higher level of reserves, back to their pre-pandemic loan pool because the borrowers were paying as agreed and the underlying businesses were substantially operating at pre-pandemic levels. The pay-off of certain commercial loans and internal risk rating upgrades in fourth quarter 2021 also contributed to the release of credit reserves, which was substantially offset by loan growth and changes to qualitative factors due to continued uncertainty over COVID-19 and other macro-economic trends. Net loan charge-offs (recoveries) were $3 thousand for the fourth quarter 2021, ($60) thousand for third quarter 2021 and $87 thousand for the fourth quarter 2020.

Reserve coverage, as measured by the ratio of the allowance for loan losses to gross loans, excluding PPP loans, was 1.23% for the fourth quarter 2021, versus 1.28% for third quarter 2021 and 1.44% for fourth quarter 2020. Similarly, reserve coverage, as measured by the ratio of the allowance for loan losses to non-performing loans was 309% for the fourth quarter 2021, versus 263% for third quarter 2021 and 244% for fourth quarter 2020.

Salisbury endeavors to work constructively to resolve non-performing loan issues with customers. Substantially all non-performing loans are collateralized with real estate and the repayment of such loans is largely dependent on the return of such loans to performing status or the liquidation of the underlying real estate collateral.

Deposits and Borrowings

Deposits of $1.3 billion at December 30, 2021 increased $46.6 million, or 3.6%, from September 30, 2021 and increased $207.1 million, or 18.3%, from December 31, 2020. Deposits at December 31, 2021 included brokered deposits of $7.9 million compared with $7.9 million at September 30, 2021 and $18.0 million at December 31, 2020. Average total deposits for the fourth quarter 2021 were $1.3 billion compared with $1.3 billion for the third quarter 2021 and $1.1 billion for the fourth quarter 2020.

Advances from FHLBB were $7.7 million at December 31, 2021 compared with $8.9 million and $12.6 million at September 30, 2021 and December 31, 2020, respectively. Salisbury’s excess borrowing capacity at FHLBB was approximately $251 million at December 31, 2021.

Capital

Shareholders’ equity increased $3.0 million in the fourth quarter to $136.6 million at December 31, 2021 as net income of $4.1 million and restricted stock activity of $0.2 million were partly offset by common stock dividends paid of $0.9 million and unrealized losses in the available-for-sale securities portfolio of $0.4 million. Book value per common share increased $1.07 during the fourth quarter 2021 to $47.73 per share and increased $3.85 from the fourth quarter 2020. Tangible book value per common share increased $1.09 during fourth quarter 2021 to $42.76 and increased $3.98 from fourth quarter 2020.

The Bank’s regulatory capital ratios remain in compliance with regulatory “well capitalized” requirements. At December 31, 2021, the Bank’s Tier 1 leverage, total risk-based capital, and common equity tier 1 capital ratios were 9.42%, 14.08%, and 12.87%, respectively, compared with regulatory “well capitalized” minimums of 5.00%, 10.00%, and 6.5%, respectively.

During fourth quarter 2021, Salisbury did not repurchase any of its outstanding common stock pursuant to its stock repurchase plan adopted in March 2021, which authorizes Salisbury to repurchase Salisbury’s common stock in amounts up to an aggregate of five percent (5%) of the outstanding shares of Salisbury’s common stock from time to time over a period of twelve (12) months.

Dividend on Common Shares

The Board of Directors of Salisbury approved a $0.01 increase in the quarterly dividend at its January 26, 2022 meeting. The quarterly cash dividend of $0.32 per common share will be paid on February 25, 2022 to shareholders of record as of February 11, 2022.

Background

Salisbury Bancorp, Inc. is the parent company of Salisbury Bank and Trust Company, a Connecticut chartered commercial bank serving the communities of northwestern Connecticut and proximate communities in New York and Massachusetts, since 1848, through full service branches in Canaan, Lakeville, Salisbury and Sharon, Connecticut; Great Barrington, South Egremont and Sheffield, Massachusetts; and Dover Plains, Fishkill, Millerton, Newburgh, New Paltz, Poughkeepsie, and Red Oaks Mill, New York. The Bank offers a broad spectrum of consumer and business banking products and services, as well as trust and wealth advisory services.

Forward-Looking Statements

This news release may contain statements relating to Salisbury’s and the Bank’s future results that are considered “forward-looking” statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on the beliefs and expectations of management as well as the assumptions and estimates made by management using information currently available to management. Since these statements reflect the views of management concerning future events, these statements involve risks, uncertainties and assumptions, including among others: changes in market interest rates and general and regional economic conditions; changes in laws and regulations; changes in accounting principles; and the quality or composition of the loan and investment portfolios, technological changes and cybersecurity matters, and other factors that may be described in Salisbury’s quarterly reports on Form 10-Q and its annual report on Form 10-K, which are available at the Securities and Exchange Commission’s website (www.sec.gov) and to which reference is hereby made. Forward-looking statements made by Salisbury in this news release speak only as of the date they are made. Events or other facts that could cause Salisbury’s actual results to differ may arise from time to time and Salisbury cannot predict all such events and factors. Salisbury undertakes no obligation to publicly update any forward-looking statement unless as may be required by law.

Investor presentation slides, which include a review of financial results and trends through the period ended December 31, 2021, are available in the Shareholder Relations section of Salisbury’s website at salisburybank.com under Shareholder Relations/News & Market Information/Presentations.

 

   

 

Salisbury Bancorp, Inc. and Subsidiary

CONSOLIDATED BALANCE SHEETS

(in thousands, except share data)   

December 31, 2021

(unaudited) 

      December 31, 2020  
ASSETS          
Cash and due from banks  $6,404   $10,599 
Interest bearing demand deposits with other banks   168,931    82,563 
Total cash and cash equivalents   175,335    93,162 
Interest bearing Time Deposits with Financial Institutions   750    750 
Securities          
Available-for-sale at fair value   202,396    98,411 
CRA mutual fund at fair value   901    917 
Federal Home Loan Bank of Boston stock at cost   1,397    1,713 
Loans held-for-sale   2,684    2,735 
Loans receivable, net (allowance for loan losses: $12,962 and $13,754)   1,066,750    1,027,738 
Bank premises and equipment, net   22,625    20,355 
Goodwill   13,815    13,815 
Intangible assets (net of accumulated amortization: $5,462 and $5,207)   418    674 
Accrued interest receivable   6,260    6,373 
Cash surrender value of life insurance policies   27,738    21,182 
Deferred taxes   2,713    2,412 
Other assets   5,402    3,423 
Total Assets  $1,529,184   $1,293,660 
LIABILITIES and SHAREHOLDERS' EQUITY          
Deposits          
Demand (non-interest bearing)  $416,073   $310,769 
Demand (interest bearing)   233,600    218,869 
Money market   330,436    278,146 
Savings and other   237,075    189,776 
Certificates of deposit   119,009    131,514 
Total deposits   1,336,193    1,129,074 
Repurchase agreements   11,430    7,116 
Federal Home Loan Bank of Boston advances   7,656    12,639 
Subordinated debt   24,474    9,883 
Note payable   170    208 
Finance lease obligations   4,107    1,673 
Accrued interest and other liabilities   8,554    8,315 
Total Liabilities   1,392,584    1,168,908 
Shareholders' Equity          
Common stock - $0.10 per share par value          
Authorized: 5,000,000;          
Issued: 2,861,697 and 2,843,292          
Outstanding: 2,861,697 and 2,843,292   286    284 
Unearned compensation – restricted stock awards   (925)   (774)
Paid-in capital   46,374    45,264 
Retained earnings   89,995    76,974 
Accumulated other comprehensive income, net   870    3,004 
Total Shareholders' Equity   136,600    124,752 
Total Liabilities and Shareholders' Equity  $1,529,184   $1,293,660 

 

   

 

Salisbury Bancorp, Inc. and Subsidiary

CONSOLIDATED STATEMENTS OF INCOME (unaudited)

   Three months ended  Twelve months ended
Periods ended December 31, (in thousands, except per share amounts) 2021      2020      2021      2020  
Interest and dividend income                    
Interest and fees on loans  $10,438   $10,135   $41,080   $40,796 
Interest on debt securities                    
Taxable   651    411    2,048    1,671 
Tax exempt   191    159    697    672 
Other interest and dividends   73    65    247    295 
Total interest and dividend income   11,353    10,770    44,072    43,434 
Interest expense                    
Deposits   509    629    2,160    3,890 
Repurchase agreements   3    3    16    20 
Finance lease   34    35    136    141 
Note payable   3    3    11    14 
Subordinated debt   233    150    1,000    618 
Federal Home Loan Bank of Boston advances   28    133    125    605 
Total interest expense   810    953    3,448    5,288 
Net interest and dividend income   10,543    9,817    40,624    38,146 
(Release) provision for loan losses   (202)   840    (720)   5,038 
Net interest and dividend income after provision (release) for loan losses   10,745    8,977    41,344    33,108 
Non-interest income                    
Trust and wealth advisory   1,286    1,066    4,970    4,194 
Service charges and fees   1,286    858    4,822    3,072 
Mortgage banking activities, net   88    439    1,000    1,622 
(Losses) gains on CRA mutual fund   (9)   (3)   (26)   19 
(Losses) gains on securities, net   —    (21)   (2)   196 
Bank-owned life insurance (“BOLI”) income   170    110    556    495 
Gain on bank-owned life insurance   —    —    —    601 
Gain on sale of assets   —    —    73    — 
Other   26    27    107    125 
Total non-interest income   2,847    2,476    11,500    10,323 
Non-interest expense                    
Salaries   3,753    3,453    13,417    11,828 
Employee benefits   1,033    1,289    5,023    4,533 
Premises and equipment   1,080    1,122    4,114    4,019 
Write-down of assets   —    —    144    — 
Data processing   617    544    2,441    2,211 
Professional fees   688    721    2,779    2,741 
Collections, OREO, and loan related   138    111    455    323 
FDIC insurance   171    135    541    466 
Marketing and community support   328    154    881    573 
Amortization of intangibles   57    74    255    321 
Other   606    451    2,054    2,023 
Total non-interest expense   8,471    8,054    32,104    29,038 
Income before income taxes   5,121    3,399    20,740    14,393 
Income tax provision   980    596    4,267    2,453 
Net income  $4,141   $2,803   $16,473   $11,940 
Net income available to common shareholders  $4,076   $2,764   $16,225   $11,775 
                     
Basic earnings per common share  $1.45   $0.99   $5.77   $4.21 
Diluted earnings per common share  $1.43   $0.98   $5.72   $4.20 
Common dividends per share  $0.31   $0.29   $1.21   $1.16 
 
 

Salisbury Bancorp, Inc. and Subsidiary

SELECTED CONSOLIDATED FINANCIAL DATA (unaudited)

 

At or for the quarters ended               
(in thousands, except per share amounts and ratios)    Q4 2021      Q3 2021      Q2 2021      Q1 2021      Q4 2020  
Total assets  $1,529,184   $1,476,849   $1,436,666   $1,403,129   $1,293,660 
Loans receivable, net   1,066,750    1,057,451    1,032,345    1,041,185    1,027,738 
Total securities   204,694    177,979    152,943    129,960    101,041 
Deposits   1,336,193    1,289,628    1,243,369    1,211,171    1,129,074 
FHLBB advances   7,656    8,905    10,152    11,396    12,639 
Shareholders’ equity   136,600    133,533    131,709    127,242    124,752 
Wealth assets under administration   1,083,152    973,198    970,306    902,141    944,349 
Discretionary wealth assets under administration   657,789    608,228    614,312    578,199    554,997 
Non-discretionary wealth assets under administration   425,363    364,970    355,994    323,942    389,352 
Non-performing loans   4,199    5,001    5,539    5,706    5,648 
Non-performing assets   4,199    5,001    5,539    5,706    5,648 
Accruing loans past due 30-89 days   1,342    909    1,400    2,374    6,850 
Net interest and dividend income   10,543    10,165    9,565    10,350    9,817 
Net interest and dividend income, tax equivalent(1)   10,735    10,345    9,739    10,520    9,993 
(Release) provision expense for loan losses   (202)   400    (1,075)   158    840 
Non-interest income   2,847    2,840    2,971    2,841    2,476 
Non-interest expense   8,471    8,284    8,086    7,259    8,054 
Income before income taxes   5,121    4,321    5,525    5,774    3,399 
Income tax provision   980    868    1,172    1,248    596 
Net income   4,141    3,453    4,353    4,526    2,803 
Net income allocated to common shareholders   4,076    3,400    4,287    4,462    2,764 
                          
Per share data                         
Basic earnings per common share  $1.45   $1.21   $1.53   $1.59   $0.99 
Diluted earnings per common share   1.43    1.20    1.52    1.59    0.98 
Dividends per common share   0.31    0.31    0.30    0.29    0.29 
Book value per common share   47.73    46.66    46.02    44.72    43.88 
Tangible book value per common share - Non-GAAP ⁽2⁾   42.76    41.67    41.01    39.65    38.78 
Common shares outstanding at end of period (in thousands)   2,862    2,862    2,862    2,845    2,843 
Weighted average common shares outstanding, to calculate basic earnings per share (in thousands)   2,817    2,817    2,810    2,804    2,803 
Weighted average common shares outstanding, to calculate diluted earnings per share (in thousands)   2,835    2,843    2,829    2,815    2,811 
                          
Profitability ratios                         
Net interest margin (tax equivalent) (1)   2.99%   2.92%   2.82%   3.34%   3.17%
Efficiency ratio (3)   61.91    61.63    63.07    53.75    63.88 
Effective income tax rate   19.13    20.09    21.21    21.61    17.52 
Return on average assets   1.10    0.93    1.21    1.38    0.85 
Return on average common shareholders’ equity   12.14    10.27    13.51    14.53    8.97 
                          
Credit quality ratios                         
Non-performing loans to loans receivable, gross   0.39%   0.47%   0.53%   0.54%   0.54%
Accruing loans past due 30-89 days to loans receivable, gross   0.12    0.08    0.13    0.23    0.66 
Allowance for loan losses to loans receivable, gross   1.20    1.23    1.22    1.32    1.32 
Allowance for loan losses to non-performing loans   308.7    263.3    229.4    243.4    243.5 
Non-performing assets to total assets   0.27    0.34    0.39    0.41    0.44 
                          
Capital ratios                         
Common shareholders' equity to assets   8.93%   9.04%   9.17%   9.07%   9.64%
Tangible common shareholders' equity to tangible assets - Non-GAAP(2)   8.08    8.15    8.25    8.12    8.62 
Tier 1 leverage capital (4)   9.42    9.31    9.33    9.83    8.90 
Total risk-based capital (4)   14.08    14.20    14.67    14.58    13.57 
Common equity tier 1 capital (4)   12.87    12.95    13.42    13.33    12.31 

 

(1) Adjusted to reflect the U.S. federal statutory benefit on income derived from tax-exempt securities and loans.

(2) Refer to schedule labeled “Supplemental Information – Non-GAAP Financial Measures”.
(3) Calculated as follows: Noninterest expense before OREO expense, amortization of intangibles, and goodwill impairments as a percent of net interest income (fully taxable equivalent) and noninterest revenues, excluding gains from securities transactions and litigation expenses.

(4) Represents the capital ratios of the Bank.

 

   

 

Salisbury Bancorp, Inc. and Subsidiary

SUPPLEMENTAL INFORMATION – Non-GAAP Financial Measures (unaudited)

At or for the quarters ended               
(in thousands, except per share amounts and ratios)    Q4 2021      Q3 2021      Q2 2021      Q1 2021      Q4 2020  
Common Shareholders' Equity  $136,600   $133,533   $131,709   $127,242   $124,752 
Less: Goodwill   (13,815)   (13,815)   (13,815)   (13,815)   (13,815)
Less: Intangible assets   (418)   (476)   (538)   (603)   (674)
Tangible Common Shareholders' Equity  $122,367   $119,242   $117,356   $112,824   $110,263 
Total Assets  $1,529,184   $1,476,849   $1,436,666   $1,403,129   $1,293,660 
Less: Goodwill   (13,815)   (13,815)   (13,815)   (13,815)   (13,815)
Less: Intangible assets   (418)   (476)   (538)   (603)   (674)
Tangible Total Assets  $1,514,951   $1,462,558   $1,422,313   $1,388,711   $1,279,171 
Common Shares outstanding   2,862    2,862    2,862    2,845    2,843 
                          
Book value per Common Share – GAAP  $47.73   $46.66   $46.02   $44.72   $43.88 
Tangible book value per Common Share - Non-GAAP   42.76    41.67    41.01    39.65    38.78 
Tangible common shareholders’ equity to tangible total assets - Non-GAAP   8.08%   8.15%   8.25%   8.12%   8.62%
Consolidated:                         
Non-interest expense  $8,471   $8,284   $8,086   $7,259   $8,054 
Less: Amortization of core deposit intangibles   (57)   (61)   (65)   (71)   (74)
Less: Write-down of fixed assets   —    (144)   —    —    — 
Less: Foreclosed property expense including OREO gains, losses and Write downs   —    —    —    —    — 
Adjusted non-interest expense  $8,414   $8,079   $8,021   $7,188   $7,980 
Net interest and dividend income, tax equivalent  $10,735   $10,345   $9,739   $10,520   $9,993 
Non-interest income   2,847    2,840    2,971    2,841    2,476 
Losses (gains) on securities   9    (3)   6    16    24 
Gains on sale of fixed assets   —    (73)   —    —    — 
BOLI proceeds   —    —    —    —    — 
Adjusted revenue  $13,591   $13,109   $12,716   $13,377   $12,493 
Efficiency Ratio – Non-GAAP 1   61.91%   61.63%   63.07%   53.75%   63.88%
                          

1 Excluding revenue and expenses associated with trust & wealth advisory, the efficiency ratios would be: Q4 2021: 60.62%; Q3 2021: 60.70%; Q2 2021: 61.59%; Q1 2020: 51.97%; Q4 2020: 62.62%.

 
 

 

Salisbury Bancorp, Inc. and Subsidiary

SUPPLEMENTAL INFORMATION – Net Interest and Dividend Income (unaudited)

  Average Balance  Income / Expense  Average Yield / Rate
At or for the quarters ended (dollars in thousands)    Q4 2021      Q3 2021      Q4 2020      Q4 2021      Q3 2021      Q4 2020      Q4 2021      Q3 2021      Q4 2020  
Loans (a)(d)  $1,078,097   $1,056,266   $1,043,613   $10,560   $10,382   $10,257    3.89%   3.90%   3.90%
Securities (c)(d)   186,284    150,841    92,633    911    720    624    1.96    1.91    2.70 
FHLBB stock   1,641    1,743    2,594    11    6    34    2.68    1.38    5.28 
Short term funds (b)   155,502    196,997    112,463    62    73    31    0.16    0.15    0.11 
Total interest-earning assets   1,421,524    1,405,847    1,251,303    11,544    11,181    10,946    3.22    3.15    3.48 
Other assets   76,059    72,547    63,937                               
Total assets  $1,497,583   $1,478,394   $1,315,240                               
Interest-bearing demand deposits  $225,607   $227,291   $212,375    104    111    110    0.18    0.19    0.21 
Money market accounts   329,005    327,861    288,629    139    140    150    0.17    0.17    0.21 
Savings and other   233,463    217,541    188,080    66    58    59    0.11    0.11    0.12 
Certificates of deposit   121,192    125,768    130,809    200    223    310    0.65    0.70    0.94 
Total interest-bearing deposits   909,267    898,461    819,893    509    532    629    0.21    0.23    0.31 
Repurchase agreements   7,923    14,296    9,220    3    5    3    0.16    0.15    0.15 
Finance lease   2,696    2,685    2,897    34    33    35    5.10    4.98    4.81 
Note payable   173    183    212    3    3    3    6.49    6.11    6.10 
Subordinated debt (f)   24,467    24,452    9,879    233    233    150    3.82    3.82    6.06 
FHLBB advances   8,071    9,329    23,491    28    30    133    1.38    1.28    2.21 
Total interest-bearing liabilities   952,597    949,406    865,592    810    836    953    0.34    0.35    0.44 
Demand deposits   401,294    388,557    318,370                               
Other liabilities   8,410    6,965    7,267                               
Shareholders’ equity   135,282    133,466    124,011                               
Total liabilities & shareholders’ equity  $1,497,583   $1,478,394   $1,315,240                               
Net interest income                 $10,735   $10,345   $9,993                
Spread on interest-bearing funds                                 2.88    2.80    3.04 
Net interest margin (e)                                 2.99    2.92    3.17 
(a)Includes non-accrual loans.
(b)Includes interest-bearing deposits in other banks and federal funds sold.
(c)Average balances of securities are based on amortized cost.
(d)Includes tax exempt income benefit of $0.2 million, $0.2 million and $0.2 million, respectively, for Q4 2021, Q3 2021 and Q4 2020 on tax-exempt securities and loans whose income and yields are calculated on a tax-equivalent basis. The income benefit reflected the U.S. federal statutory tax rate of 21.0% for 2021 and 2020.
(e)Net interest income divided by average interest-earning assets.
(f)Net of issuance costs.

 

 
 

 

Salisbury Bancorp, Inc. and Subsidiary

SUPPLEMENTAL INFORMATION – Net Interest and Dividend Income (unaudited)

 

Twelve months ended December 31,  Average Balance  Income / Expense  Average Yield / Rate
(dollars in thousands)  2021  2020  2021  2020  2021  2020
Loans (a)(d)  $1,059,663   $1,019,999   $41,549   $41,267    3.89%   4.02%
Securities (c)(d)   144,833    89,616    2,991    2,563    2.06    2.86 
FHLBB stock   1,790    3,163    37    141    2.09    4.45 
Short term funds (b)   158,907    65,935    210    154    0.13    0.23 
Total earning assets   1,365,193    1,178,713    44,787    44,125    3.26    3.73 
Other assets   72,590    63,434                     
Total assets  $1,437,783   $1,242,147                     
Interest-bearing demand deposits  $224,763   $183,870    435    441    0.19    0.24 
Money market accounts   315,469    256,402    547    1,145    0.17    0.45 
Savings and other   215,300    175,204    239    464    0.11    0.26 
Certificates of deposit   130,879    144,489    939    1,840    0.72    1.27 
Total interest-bearing deposits   886,411    759,965    2,160    3,890    0.24    0.51 
Repurchase agreements   10,679    7,986    16    20    0.15    0.25 
Finance lease   2,739    2,965    136    141    4.96    4.75 
Note payable   187    226    11    14    6.13    6.08 
Subordinated Debt (f)   22,511    9,870    1,000    618    4.44    6.26 
FHLBB advances   9,938    40,093    125    605    1.24    1.49 
Total interest-bearing liabilities   932,465    821,105    3,448    5,288    0.37    0.64 
Demand deposits   366,926    294,588                     
Other liabilities   7,285    6,956                     
Shareholders’ equity   131,107    119,498                     
Total liabilities & shareholders’ equity  $1,437,783   $1,242,147                     
Net interest income            $41,339   $38,837           
Spread on interest-bearing funds                       2.89    3.09 
Net interest margin (e)                       3.01    3.28 

 

(a)Includes non-accrual loans.
(b)Includes interest-bearing deposits in other banks and federal funds sold.
(c)Average balances of securities are based on historical cost.
(d)Includes tax exempt income benefit of $0.7 million and $0.5 million, respectively for 2021 and 2020 on tax-exempt securities and loans whose income and yields are calculated on a tax-equivalent basis. The income benefit reflected the U.S. federal statutory tax rate of 21.0% for 2021 and 2020.
(e)Net interest income divided by average interest-earning assets.
(f)Net of issuance costs.

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Jan. 26, 2022
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Document Period End Date Jan. 26, 2022
Entity File Number 001-14854
Entity Registrant Name SALISBURY BANCORP, INC.
Entity Central Index Key 0001060219
Entity Tax Identification Number 06-1514263
Entity Incorporation, State or Country Code CT
Entity Address, Address Line One 5 Bissell Street
Entity Address, City or Town Lakeville
Entity Address, State or Province CT
Entity Address, Postal Zip Code 06039
City Area Code 860
Local Phone Number 435-9801
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Title of 12(b) Security Common Stock, $0.10 par value per share
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