Call reports 2013
SELECT BANK & TRUST COMPANY — 2013
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 259,621,000 | 265,258,000 | 275,709,000 | 280,589,000 |
| Total loans | 201,724,000 | 209,673,000 | 212,006,000 | 214,402,000 |
| Allowance for loan losses | 3,777,000 | 3,997,000 | 4,117,000 | 3,620,000 |
| Securities available for sale | 32,758,000 | 32,855,000 | 38,665,000 | 43,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,916,000 | 215,378,000 | 222,975,000 | 227,285,000 |
| Interest-bearing deposits | 182,014,000 | 183,630,000 | 189,492,000 | 192,184,000 |
| Noninterest-bearing deposits | 26,902,000 | 31,748,000 | 33,483,000 | 35,101,000 |
| Equity capital | 30,088,000 | 30,153,000 | 30,684,000 | 31,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,748,000 | 5,526,000 | 8,354,000 | 11,232,000 |
| Interest expense | 569,000 | 1,145,000 | 1,713,000 | 2,264,000 |
| Net interest income | 2,179,000 | 4,381,000 | 6,641,000 | 8,968,000 |
| Noninterest income | 244,000 | 552,000 | 820,000 | 1,134,000 |
| Noninterest expense | 1,430,000 | 2,921,000 | 4,438,000 | 6,002,000 |
| Provision for loan losses | 225,000 | 450,000 | 600,000 | 300,000 |
| Pretax income | 768,000 | 1,620,000 | 2,481,000 | 3,858,000 |
| Income tax | 267,000 | 553,000 | 838,000 | 1,356,000 |
| Net income | 501,000 | 1,067,000 | 1,643,000 | 2,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,399,000 | 27,978,000 | 28,565,000 | 29,438,000 |
| Total capital | 29,881,000 | 30,497,000 | 31,114,000 | 32,039,000 |
| Risk-weighted assets | 197,267,000 | 200,052,000 | 202,378,000 | 207,082,000 |