Call reports 2014
SELECT BANK & TRUST COMPANY — 2014
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 519,353,000 | 507,638,000 | 782,644,000 | 765,590,000 |
| Total loans | 345,827,000 | 333,868,000 | 546,475,000 | 552,038,000 |
| Allowance for loan losses | 7,025,000 | 6,447,000 | 6,529,000 | 6,844,000 |
| Securities available for sale | 79,367,000 | 79,904,000 | 103,437,000 | 102,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 442,459,000 | 429,962,000 | 643,356,000 | 621,892,000 |
| Interest-bearing deposits | 357,807,000 | 346,704,000 | 513,717,000 | 489,071,000 |
| Noninterest-bearing deposits | 84,652,000 | 83,257,000 | 129,639,000 | 132,821,000 |
| Equity capital | 66,968,000 | 67,922,000 | 102,594,000 | 106,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,365,000 | 10,681,000 | 18,191,000 | 26,544,000 |
| Interest expense | 1,039,000 | 2,064,000 | 3,160,000 | 4,229,000 |
| Net interest income | 4,326,000 | 8,617,000 | 15,031,000 | 22,315,000 |
| Noninterest income | 310,000 | 811,000 | 1,269,000 | 1,863,000 |
| Noninterest expense | 4,018,000 | 8,070,000 | 14,514,000 | 20,037,000 |
| Provision for loan losses | -49,000 | -476,000 | -370,000 | -194,000 |
| Pretax income | 522,000 | 1,623,000 | 2,106,000 | 4,289,000 |
| Income tax | 186,000 | 608,000 | 864,000 | 1,605,000 |
| Net income | 336,000 | 1,015,000 | 1,242,000 | 2,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,683,000 | 67,323,000 | 93,675,000 | 96,651,000 |
| Total capital | 71,403,000 | 71,910,000 | 100,204,000 | 103,495,000 |
| Risk-weighted assets | 375,263,000 | 365,128,000 | 610,420,000 | 604,247,000 |