Call reports 2013
SELECT BANK & TRUST COMPANY — 2013
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 567,141,000 | 549,592,000 | 544,474,000 | 524,841,000 |
| Total loans | 360,863,000 | 356,057,000 | 349,087,000 | 346,501,000 |
| Allowance for loan losses | 7,775,000 | 7,218,000 | 6,858,000 | 7,054,000 |
| Securities available for sale | 74,674,000 | 68,738,000 | 86,476,000 | 83,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 484,325,000 | 466,293,000 | 459,912,000 | 449,726,000 |
| Interest-bearing deposits | 399,392,000 | 386,909,000 | 378,553,000 | 363,111,000 |
| Noninterest-bearing deposits | 84,933,000 | 79,384,000 | 81,359,000 | 86,615,000 |
| Equity capital | 65,351,000 | 65,875,000 | 66,529,000 | 66,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,947,000 | 11,993,000 | 17,662,000 | 23,172,000 |
| Interest expense | 1,345,000 | 2,626,000 | 3,850,000 | 4,963,000 |
| Net interest income | 4,602,000 | 9,367,000 | 13,812,000 | 18,209,000 |
| Noninterest income | 431,000 | 1,059,000 | 1,504,000 | 2,040,000 |
| Noninterest expense | 3,703,000 | 7,322,000 | 11,051,000 | 15,176,000 |
| Provision for loan losses | -100,000 | -475,000 | -605,000 | -325,000 |
| Pretax income | 1,357,000 | 3,443,000 | 4,687,000 | 5,139,000 |
| Income tax | 498,000 | 1,260,000 | 1,787,000 | 1,938,000 |
| Net income | 859,000 | 2,183,000 | 2,900,000 | 3,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,155,000 | 65,439,000 | 66,191,000 | 66,385,000 |
| Total capital | 69,182,000 | 70,475,000 | 71,087,000 | 71,121,000 |
| Risk-weighted assets | 400,768,000 | 400,721,000 | 390,756,000 | 376,522,000 |