Call reports 2005
SELECT BANK & TRUST COMPANY — 2005
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 285,682,000 | 298,490,000 | 311,515,000 | 327,573,000 |
| Total loans | 231,473,000 | 240,860,000 | 249,555,000 | 246,395,000 |
| Allowance for loan losses | 3,234,000 | 3,536,000 | 4,042,000 | 4,092,000 |
| Securities available for sale | 22,187,000 | 24,785,000 | 28,661,000 | 30,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,332,000 | 245,698,000 | 256,395,000 | 269,074,000 |
| Interest-bearing deposits | 203,311,000 | 210,725,000 | 220,356,000 | 227,787,000 |
| Noninterest-bearing deposits | 30,022,000 | 34,973,000 | 36,039,000 | 41,287,000 |
| Equity capital | 33,718,000 | 34,460,000 | 34,965,000 | 35,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,158,000 | 8,748,000 | 13,805,000 | 19,234,000 |
| Interest expense | 1,424,000 | 3,207,000 | 5,231,000 | 7,429,000 |
| Net interest income | 2,734,000 | 5,541,000 | 8,574,000 | 11,805,000 |
| Noninterest income | 492,000 | 1,046,000 | 1,580,000 | 2,264,000 |
| Noninterest expense | 1,585,000 | 3,264,000 | 5,152,000 | 7,195,000 |
| Provision for loan losses | 358,000 | 737,000 | 1,349,000 | 1,624,000 |
| Pretax income | 1,281,000 | 2,580,000 | 3,637,000 | 5,226,000 |
| Income tax | 462,000 | 896,000 | 1,246,000 | 1,922,000 |
| Net income | 819,000 | 1,684,000 | 2,391,000 | 3,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,816,000 | 34,524,000 | 35,045,000 | 35,769,000 |
| Total capital | 36,773,000 | 37,598,000 | 38,246,000 | 39,006,000 |
| Risk-weighted assets | 236,307,000 | 245,452,000 | 255,250,000 | 258,113,000 |