Call reports 2016
SELECT BANK & TRUST COMPANY — 2016
What SELECT BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 829,822,000 | 825,984,000 | 844,197,000 | 846,089,000 |
| Total loans | 629,619,000 | 632,187,000 | 651,743,000 | 677,194,000 |
| Allowance for loan losses | 7,527,000 | 7,692,000 | 7,890,000 | 8,411,000 |
| Securities available for sale | 77,122,000 | 69,879,000 | 65,662,000 | 62,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 668,013,000 | 661,625,000 | 677,447,000 | 679,976,000 |
| Interest-bearing deposits | 513,921,000 | 504,634,000 | 499,884,000 | 516,092,000 |
| Noninterest-bearing deposits | 154,092,000 | 156,991,000 | 177,563,000 | 163,884,000 |
| Equity capital | 106,795,000 | 109,005,000 | 110,667,000 | 111,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,528,000 | 17,294,000 | 26,115,000 | 35,066,000 |
| Interest expense | 845,000 | 1,672,000 | 2,495,000 | 3,386,000 |
| Net interest income | 7,683,000 | 15,622,000 | 23,620,000 | 31,680,000 |
| Noninterest income | 638,000 | 1,269,000 | 1,816,000 | 2,447,000 |
| Noninterest expense | 5,408,000 | 10,729,000 | 16,077,000 | 21,450,000 |
| Provision for loan losses | 352,000 | 510,000 | 847,000 | 1,516,000 |
| Pretax income | 2,583,000 | 5,674,000 | 8,534,000 | 11,183,000 |
| Income tax | 857,000 | 1,906,000 | 2,879,000 | 3,787,000 |
| Net income | 1,726,000 | 3,768,000 | 5,655,000 | 7,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,235,000 | 100,287,000 | 102,176,000 | 103,964,000 |
| Total capital | 105,762,000 | 107,979,000 | 110,066,000 | 112,375,000 |
| Risk-weighted assets | 743,279,000 | 741,434,000 | 751,219,000 | 773,456,000 |