Call reports 2007
SELECT BANK & TRUST COMPANY — 2007
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 93,836,000 | 101,381,000 | 105,424,000 | 107,425,000 |
| Total loans | 65,590,000 | 67,634,000 | 72,483,000 | 76,373,000 |
| Allowance for loan losses | 1,029,000 | 1,058,000 | 1,070,000 | 1,082,000 |
| Securities available for sale | 23,228,000 | 25,519,000 | 25,630,000 | 25,556,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,770,000 | 70,598,000 | 67,712,000 | 68,704,000 |
| Interest-bearing deposits | 61,792,000 | 63,467,000 | 60,759,000 | 62,505,000 |
| Noninterest-bearing deposits | 5,978,000 | 7,131,000 | 6,953,000 | 6,199,000 |
| Equity capital | 15,005,000 | 14,950,000 | 15,530,000 | 15,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,597,000 | 3,285,000 | 5,068,000 | 6,834,000 |
| Interest expense | 811,000 | 1,676,000 | 2,636,000 | 3,596,000 |
| Net interest income | 786,000 | 1,609,000 | 2,432,000 | 3,238,000 |
| Noninterest income | 69,000 | 142,000 | 207,000 | 285,000 |
| Noninterest expense | 482,000 | 970,000 | 1,462,000 | 1,937,000 |
| Provision for loan losses | 30,000 | 60,000 | 75,000 | 90,000 |
| Pretax income | 343,000 | 721,000 | 1,102,000 | 1,496,000 |
| Income tax | 123,000 | 250,000 | 371,000 | 495,000 |
| Net income | 220,000 | 471,000 | 731,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,000,000 | 15,264,000 | 15,602,000 | 15,886,000 |
| Total capital | 15,889,000 | 16,219,000 | 16,505,000 | 16,916,000 |
| Risk-weighted assets | 70,974,000 | 76,310,000 | 75,299,000 | 82,350,000 |