Call reports 2003
SELECT BANK & TRUST COMPANY — 2003
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 140,631,000 | 160,448,000 | 182,406,000 | 191,813,000 |
| Total loans | 112,262,000 | 121,623,000 | 129,355,000 | 151,930,000 |
| Allowance for loan losses | 1,737,000 | 1,885,000 | 2,054,000 | 2,355,000 |
| Securities available for sale | 14,202,000 | 14,220,000 | 13,732,000 | 12,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,480,000 | 134,934,000 | 148,637,000 | 151,971,000 |
| Interest-bearing deposits | 101,308,000 | 113,690,000 | 129,609,000 | 127,706,000 |
| Noninterest-bearing deposits | 15,172,000 | 21,244,000 | 19,028,000 | 24,265,000 |
| Equity capital | 17,596,000 | 19,118,000 | 27,218,000 | 27,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,081,000 | 4,363,000 | 6,793,000 | 9,339,000 |
| Interest expense | 753,000 | 1,543,000 | 2,344,000 | 3,216,000 |
| Net interest income | 1,328,000 | 2,820,000 | 4,449,000 | 6,123,000 |
| Noninterest income | 264,000 | 545,000 | 903,000 | 1,172,000 |
| Noninterest expense | 979,000 | 2,076,000 | 3,394,000 | 4,834,000 |
| Provision for loan losses | 270,000 | 479,000 | 694,000 | 1,042,000 |
| Pretax income | 338,000 | 796,000 | 1,248,000 | 1,402,000 |
| Income tax | 124,000 | 293,000 | 454,000 | 496,000 |
| Net income | 214,000 | 503,000 | 794,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,339,000 | 18,829,000 | 27,063,000 | 27,123,000 |
| Total capital | 18,752,000 | 20,388,000 | 28,769,000 | 29,084,000 |
| Risk-weighted assets | 112,739,000 | 124,405,000 | 136,168,000 | 156,474,000 |