Call reports 2004
SELECT BANK & TRUST COMPANY — 2004
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 203,444,000 | 246,985,000 | 268,991,000 | 265,919,000 |
| Total loans | 169,032,000 | 199,341,000 | 208,353,000 | 215,595,000 |
| Allowance for loan losses | 2,620,000 | 2,836,000 | 2,899,000 | 2,890,000 |
| Securities available for sale | 12,121,000 | 14,521,000 | 19,017,000 | 21,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,887,000 | 212,254,000 | 220,735,000 | 217,478,000 |
| Interest-bearing deposits | 148,445,000 | 182,713,000 | 194,962,000 | 188,967,000 |
| Noninterest-bearing deposits | 23,442,000 | 29,541,000 | 25,773,000 | 28,511,000 |
| Equity capital | 19,322,000 | 19,658,000 | 32,427,000 | 33,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,635,000 | 5,740,000 | 9,286,000 | 13,207,000 |
| Interest expense | 835,000 | 1,851,000 | 3,084,000 | 4,368,000 |
| Net interest income | 1,800,000 | 3,889,000 | 6,202,000 | 8,839,000 |
| Noninterest income | 319,000 | 679,000 | 1,049,000 | 1,605,000 |
| Noninterest expense | 1,314,000 | 2,656,000 | 4,103,000 | 5,643,000 |
| Provision for loan losses | 269,000 | 568,000 | 748,000 | 976,000 |
| Pretax income | 534,000 | 1,340,000 | 2,394,000 | 3,815,000 |
| Income tax | 188,000 | 476,000 | 854,000 | 1,338,000 |
| Net income | 346,000 | 864,000 | 1,540,000 | 2,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,130,000 | 19,648,000 | 32,324,000 | 33,139,000 |
| Total capital | 21,273,000 | 22,200,000 | 35,007,000 | 35,880,000 |
| Risk-weighted assets | 170,961,000 | 203,842,000 | 214,392,000 | 219,168,000 |