Call reports 2006
SELECT BANK & TRUST COMPANY — 2006
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 75,252,000 | 81,229,000 | 86,310,000 | 92,044,000 |
| Total loans | 53,143,000 | 56,966,000 | 58,395,000 | 63,848,000 |
| Allowance for loan losses | 855,000 | 935,000 | 973,000 | 1,001,000 |
| Securities available for sale | 16,560,000 | 18,007,000 | 21,270,000 | 23,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,247,000 | 60,907,000 | 60,696,000 | 65,488,000 |
| Interest-bearing deposits | 51,518,000 | 55,507,000 | 53,988,000 | 58,425,000 |
| Noninterest-bearing deposits | 4,730,000 | 5,400,000 | 6,708,000 | 7,063,000 |
| Equity capital | 13,836,000 | 13,980,000 | 14,381,000 | 14,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,131,000 | 2,468,000 | 3,902,000 | 5,463,000 |
| Interest expense | 477,000 | 1,102,000 | 1,804,000 | 2,597,000 |
| Net interest income | 654,000 | 1,366,000 | 2,098,000 | 2,866,000 |
| Noninterest income | 46,000 | 96,000 | 161,000 | 235,000 |
| Noninterest expense | 421,000 | 846,000 | 1,285,000 | 1,756,000 |
| Provision for loan losses | 111,000 | 191,000 | 241,000 | 271,000 |
| Pretax income | 168,000 | 425,000 | 733,000 | 1,024,000 |
| Income tax | 0 | 40,000 | 90,000 | 138,000 |
| Net income | 168,000 | 385,000 | 643,000 | 886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,948,000 | 14,166,000 | 14,491,000 | 14,769,000 |
| Total capital | 14,612,000 | 14,882,000 | 15,235,000 | 15,557,000 |
| Risk-weighted assets | 52,967,000 | 57,033,000 | 59,253,000 | 62,812,000 |