Call reports 2009
SELECT BANK & TRUST COMPANY — 2009
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 627,900,000 | 628,414,000 | 635,925,000 | 629,341,000 |
| Total loans | 469,794,000 | 467,872,000 | 472,578,000 | 481,176,000 |
| Allowance for loan losses | 7,792,000 | 8,519,000 | 10,317,000 | 10,359,000 |
| Securities available for sale | 90,162,000 | 91,719,000 | 95,152,000 | 96,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 523,966,000 | 528,502,000 | 534,189,000 | 540,605,000 |
| Interest-bearing deposits | 461,179,000 | 461,678,000 | 469,516,000 | 467,973,000 |
| Noninterest-bearing deposits | 62,787,000 | 66,824,000 | 64,673,000 | 72,632,000 |
| Equity capital | 73,390,000 | 73,189,000 | 73,236,000 | 64,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,104,000 | 16,090,000 | 24,334,000 | 32,837,000 |
| Interest expense | 3,564,000 | 6,920,000 | 10,006,000 | 12,757,000 |
| Net interest income | 4,540,000 | 9,170,000 | 14,328,000 | 20,080,000 |
| Noninterest income | 781,000 | 1,497,000 | 2,292,000 | -6,039,000 |
| Noninterest expense | 3,859,000 | 8,152,000 | 12,199,000 | 16,615,000 |
| Provision for loan losses | 685,000 | 2,100,000 | 4,477,000 | 5,472,000 |
| Pretax income | 794,000 | 422,000 | -55,000 | -8,042,000 |
| Income tax | 298,000 | 137,000 | -43,000 | 132,000 |
| Net income | 496,000 | 285,000 | -12,000 | -8,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,364,000 | 62,131,000 | 61,827,000 | 62,335,000 |
| Total capital | 68,542,000 | 68,213,000 | 68,069,000 | 68,715,000 |
| Risk-weighted assets | 492,598,000 | 491,993,000 | 495,314,000 | 506,459,000 |