Call reports 2009
SELECT BANK & TRUST COMPANY — 2009
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 147,784,000 | 152,797,000 | 152,692,000 | 190,765,000 |
| Total loans | 102,713,000 | 107,219,000 | 115,655,000 | 122,565,000 |
| Allowance for loan losses | 1,287,000 | 1,381,000 | 1,449,000 | 1,564,000 |
| Securities available for sale | 22,051,000 | 22,172,000 | 22,426,000 | 18,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,935,000 | 108,889,000 | 105,243,000 | 143,444,000 |
| Interest-bearing deposits | 89,451,000 | 99,497,000 | 95,164,000 | 132,215,000 |
| Noninterest-bearing deposits | 8,484,000 | 9,392,000 | 10,079,000 | 11,229,000 |
| Equity capital | 17,168,000 | 17,195,000 | 17,593,000 | 17,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,664,000 | 3,391,000 | 5,210,000 | 7,088,000 |
| Interest expense | 861,000 | 1,725,000 | 2,602,000 | 3,304,000 |
| Net interest income | 803,000 | 1,666,000 | 2,608,000 | 3,784,000 |
| Noninterest income | 44,000 | 117,000 | 217,000 | 325,000 |
| Noninterest expense | 673,000 | 1,392,000 | 2,165,000 | 3,009,000 |
| Provision for loan losses | 75,000 | 170,000 | 295,000 | 565,000 |
| Pretax income | 99,000 | 221,000 | 365,000 | 570,000 |
| Income tax | 28,000 | 66,000 | 109,000 | 171,000 |
| Net income | 71,000 | 155,000 | 256,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,812,000 | 16,896,000 | 16,997,000 | 15,870,000 |
| Total capital | 18,099,000 | 18,277,000 | 18,446,000 | 17,434,000 |
| Risk-weighted assets | 107,546,000 | 115,675,000 | 121,196,000 | 133,806,000 |