Call reports 2010
SELECT BANK & TRUST COMPANY — 2010
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 642,483,000 | 662,708,000 | 641,243,000 | 624,940,000 |
| Total loans | 496,448,000 | 490,882,000 | 467,876,000 | 470,484,000 |
| Allowance for loan losses | 11,232,000 | 10,502,000 | 8,081,000 | 10,015,000 |
| Securities available for sale | 92,281,000 | 86,036,000 | 82,670,000 | 89,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 542,656,000 | 566,441,000 | 549,368,000 | 535,106,000 |
| Interest-bearing deposits | 465,808,000 | 488,723,000 | 474,936,000 | 464,237,000 |
| Noninterest-bearing deposits | 76,848,000 | 77,718,000 | 74,432,000 | 70,870,000 |
| Equity capital | 65,129,000 | 66,393,000 | 59,748,000 | 59,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,278,000 | 16,759,000 | 25,131,000 | 33,387,000 |
| Interest expense | 2,373,000 | 4,732,000 | 7,092,000 | 9,377,000 |
| Net interest income | 5,905,000 | 12,027,000 | 18,039,000 | 24,010,000 |
| Noninterest income | 726,000 | 1,413,000 | 2,022,000 | 2,228,000 |
| Noninterest expense | 4,597,000 | 9,015,000 | 13,634,000 | 18,389,000 |
| Provision for loan losses | 1,270,000 | 1,909,000 | 14,366,000 | 15,634,000 |
| Pretax income | 759,000 | 2,502,000 | -7,953,000 | -7,822,000 |
| Income tax | 248,000 | 838,000 | -3,080,000 | -3,142,000 |
| Net income | 511,000 | 1,664,000 | -4,873,000 | -4,680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,843,000 | 63,990,000 | 57,445,000 | 56,136,000 |
| Total capital | 69,442,000 | 70,609,000 | 63,813,000 | 62,504,000 |
| Risk-weighted assets | 523,317,000 | 525,615,000 | 507,723,000 | 505,818,000 |