Call reports 2007
SELECT BANK & TRUST COMPANY — 2007
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 368,357,000 | 370,513,000 | 374,299,000 | 375,030,000 |
| Total loans | 295,908,000 | 293,645,000 | 296,468,000 | 279,182,000 |
| Allowance for loan losses | 6,160,000 | 5,195,000 | 6,939,000 | 6,815,000 |
| Securities available for sale | 32,612,000 | 32,782,000 | 38,741,000 | 56,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,787,000 | 317,872,000 | 325,814,000 | 322,284,000 |
| Interest-bearing deposits | 298,827,000 | 303,295,000 | 312,721,000 | 308,555,000 |
| Noninterest-bearing deposits | 12,960,000 | 14,577,000 | 13,093,000 | 13,729,000 |
| Equity capital | 38,213,000 | 37,172,000 | 37,033,000 | 37,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,408,000 | 13,162,000 | 19,815,000 | 26,288,000 |
| Interest expense | 3,111,000 | 6,376,000 | 9,716,000 | 13,103,000 |
| Net interest income | 3,297,000 | 6,786,000 | 10,099,000 | 13,185,000 |
| Noninterest income | 612,000 | 1,455,000 | 2,055,000 | 2,594,000 |
| Noninterest expense | 2,420,000 | 4,977,000 | 7,445,000 | 10,049,000 |
| Provision for loan losses | 351,000 | 3,161,000 | 5,386,000 | 5,972,000 |
| Pretax income | 1,139,000 | 110,000 | -668,000 | -229,000 |
| Income tax | 417,000 | -19,000 | -319,000 | -164,000 |
| Net income | 722,000 | 129,000 | -349,000 | -65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,221,000 | 37,429,000 | 37,050,000 | 37,130,000 |
| Total capital | 42,024,000 | 41,255,000 | 40,932,000 | 40,860,000 |
| Risk-weighted assets | 301,653,000 | 304,356,000 | 307,141,000 | 295,338,000 |