Call reports 2006
SELECT BANK & TRUST COMPANY — 2006
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 328,570,000 | 322,730,000 | 344,341,000 | 352,813,000 |
| Total loans | 259,428,000 | 262,222,000 | 267,932,000 | 283,051,000 |
| Allowance for loan losses | 4,347,000 | 4,330,000 | 4,194,000 | 5,847,000 |
| Securities available for sale | 32,281,000 | 31,472,000 | 37,598,000 | 35,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,980,000 | 266,980,000 | 285,214,000 | 297,732,000 |
| Interest-bearing deposits | 232,602,000 | 227,730,000 | 242,378,000 | 283,607,000 |
| Noninterest-bearing deposits | 39,378,000 | 39,250,000 | 42,836,000 | 14,125,000 |
| Equity capital | 36,193,000 | 36,950,000 | 37,580,000 | 37,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,617,000 | 11,652,000 | 17,920,000 | 24,461,000 |
| Interest expense | 2,337,000 | 4,859,000 | 7,576,000 | 10,622,000 |
| Net interest income | 3,280,000 | 6,793,000 | 10,344,000 | 13,839,000 |
| Noninterest income | 495,000 | 1,083,000 | 1,648,000 | 2,444,000 |
| Noninterest expense | 2,105,000 | 4,446,000 | 6,764,000 | 9,410,000 |
| Provision for loan losses | 272,000 | 366,000 | 937,000 | 2,707,000 |
| Pretax income | 1,393,000 | 3,060,000 | 4,288,000 | 4,164,000 |
| Income tax | 519,000 | 1,107,000 | 1,540,000 | 1,546,000 |
| Net income | 874,000 | 1,953,000 | 2,748,000 | 2,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,438,000 | 37,293,000 | 37,849,000 | 37,789,000 |
| Total capital | 39,813,000 | 40,689,000 | 41,352,000 | 41,453,000 |
| Risk-weighted assets | 268,993,000 | 270,741,000 | 280,126,000 | 290,924,000 |