Call reports 2005
SELECT BANK & TRUST COMPANY — 2005
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 42,912,000 | 47,413,000 | 52,891,000 | 60,291,000 |
| Total loans | 32,234,000 | 37,551,000 | 42,700,000 | 49,188,000 |
| Allowance for loan losses | 484,000 | 564,000 | 640,000 | 744,000 |
| Securities available for sale | 5,486,000 | 6,247,000 | 6,104,000 | 8,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,275,000 | 33,690,000 | 39,127,000 | 45,005,000 |
| Interest-bearing deposits | 27,327,000 | 30,947,000 | 35,756,000 | 40,740,000 |
| Noninterest-bearing deposits | 1,948,000 | 2,743,000 | 3,372,000 | 4,265,000 |
| Equity capital | 13,542,000 | 13,582,000 | 13,649,000 | 13,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 513,000 | 1,179,000 | 1,982,000 | 2,947,000 |
| Interest expense | 158,000 | 381,000 | 656,000 | 1,013,000 |
| Net interest income | 355,000 | 798,000 | 1,326,000 | 1,934,000 |
| Noninterest income | 6,000 | 24,000 | 42,000 | 72,000 |
| Noninterest expense | 352,000 | 712,000 | 1,105,000 | 1,546,000 |
| Provision for loan losses | 122,000 | 202,000 | 278,000 | 382,000 |
| Pretax income | -113,000 | -92,000 | -15,000 | 78,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -113,000 | -92,000 | -15,000 | 78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,590,000 | 13,611,000 | 13,688,000 | 13,781,000 |
| Total capital | 14,010,000 | 14,087,000 | 14,220,000 | 14,381,000 |
| Risk-weighted assets | 33,558,000 | 37,953,000 | 42,455,000 | 47,871,000 |