Call reports 2012
SELECT BANK & TRUST COMPANY — 2012
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 239,524,000 | 240,357,000 | 249,912,000 | 257,860,000 |
| Total loans | 178,878,000 | 182,445,000 | 188,389,000 | 199,772,000 |
| Allowance for loan losses | 3,191,000 | 3,395,000 | 3,534,000 | 3,579,000 |
| Securities available for sale | 36,066,000 | 34,720,000 | 35,484,000 | 34,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,213,000 | 191,817,000 | 200,512,000 | 207,337,000 |
| Interest-bearing deposits | 169,967,000 | 169,922,000 | 176,089,000 | 180,209,000 |
| Noninterest-bearing deposits | 23,246,000 | 21,895,000 | 24,423,000 | 27,128,000 |
| Equity capital | 27,823,000 | 28,328,000 | 29,148,000 | 29,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,612,000 | 5,270,000 | 7,962,000 | 10,673,000 |
| Interest expense | 554,000 | 1,121,000 | 1,690,000 | 2,237,000 |
| Net interest income | 2,058,000 | 4,149,000 | 6,272,000 | 8,436,000 |
| Noninterest income | 202,000 | 412,000 | 661,000 | 981,000 |
| Noninterest expense | 1,340,000 | 2,673,000 | 4,015,000 | 5,310,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 635,000 | 1,325,000 | 2,055,000 | 2,951,000 |
| Income tax | 214,000 | 445,000 | 681,000 | 976,000 |
| Net income | 421,000 | 880,000 | 1,374,000 | 1,975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,290,000 | 25,763,000 | 26,271,000 | 26,886,000 |
| Total capital | 27,597,000 | 28,083,000 | 28,633,000 | 29,358,000 |
| Risk-weighted assets | 183,677,000 | 184,539,000 | 187,764,000 | 196,615,000 |