Select Bank & Trust Company

3600 Charles Boulevard
Greenville, NC 27858
252.353.5730
www.selectbankandtrust.com

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Select Bank & Trust Company is headquartered in Greenville and is the 57^th largest bank in the state of North Carolina. It is also the 2,985^th largest bank in the nation. It was established in 2004 and as of September of 2011, it had grown to 34 employees at 4 locations. Select Bank & Trust Company has a 5-star health rating.

High-Yield Reward Checking Account at Select Bank & Trust in NC - Local Only - 8/13/2010

Select Bank & Trust is offering a high-yield reward checking account called Easy Green Checking . It has the following rates and features if certain monthly requirements are met (as of 8/13/2010 ) ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Select Bank & Trust Company Checking Account Rates

Apy	Min	Max	Product
3.05%	-	$25k	Easy Green Checking
0.50%	$200k	-	Investors Checking
0.50%	-	-	Not For Profit Checking
0.05%	-	-	Absolutely Free Silver Checking
0.05%	-	-	Select Checking
0.05%	-	-	Business Interest Checking

Select Bank & Trust Company Savings Account Rates

Apy	Min	Max	Product
0.50%	$200k	-	Select Investment Account
0.50%	-	-	Select Savings
0.50%	-	-	Business Investment Account
0.05%	-	-	Business Sweep Account
0.05%	-	-	Business Savings Account

Select Bank & Trust Company Money Market Rates

Apy	Min	Max	Product
0.50%	$200k	-	Money Market Account
0.05%	-	-	Business Money Market Account

Select Bank & Trust Company CD Rates

Apy	Min	Max	Product
1.51%	$100	-	60 Month CD
1.51%	$100	-	Business 60 Month CD
1.21%	$100	-	48 Month CD
1.21%	$100	-	Business 48 Month CD
1.01%	$100	-	36 Month CD
1.01%	$100	-	Business 36 Month CD
0.80%	$100	-	30 Month CD
0.80%	$100	-	Business 30 Month CD
0.60%	$100	-	24 Month CD
0.60%	$100	-	Business 24 Month CD
0.50%	$100	-	18 Month CD
0.50%	$100	-	Business 18 Month CD
0.40%	$100	-	15 Month CD
0.40%	$100	-	Business 15 Month CD
0.30%	$100	-	12 Month CD
0.30%	$100	-	Business 12 Month CD
0.25%	$100	-	9 Month CD
0.25%	$100	-	Business 9 Month CD
0.20%	$100	-	180 Day CD
0.20%	$100	-	Business 180 Day CD
0.15%	$100	-	90 Day CD
0.15%	$100	-	Business 90 Day CD
0.10%	$100	-	30 Day CD
0.10%	$100	-	60 Day CD
0.10%	$100	-	Business 30 Day CD
0.10%	$100	-	Business 60 Day CD

Select Bank & Trust Company IRA Rates

Apy	Min	Max	Product
1.51%	$100	-	60 Month IRA
1.51%	$100	-	60 Month Roth IRA
1.51%	$100	-	60 Month CESA
1.21%	$100	-	48 Month IRA
1.21%	$100	-	48 Month Roth IRA
1.21%	$100	-	48 Month CESA
1.01%	$100	-	36 Month IRA
1.01%	$100	-	36 Month Roth IRA
1.01%	$100	-	36 Month CESA
0.80%	$100	-	30 Month IRA
0.80%	$100	-	30 Month Roth IRA
0.80%	$100	-	30 Month CESA
0.60%	$100	-	24 Month IRA
0.60%	$100	-	24 Month Roth IRA
0.60%	$100	-	24 Month CESA
0.50%	$100	-	18 Month IRA
0.50%	$100	-	18 Month Roth IRA
0.50%	$100	-	18 Month CESA
0.40%	$100	-	15 Month IRA
0.40%	$100	-	15 Month Roth IRA
0.40%	$100	-	15 Month CESA
0.30%	$100	-	12 Month IRA
0.30%	$100	-	12 Month Roth IRA
0.30%	$100	-	12 Month CESA
0.25%	$100	-	9 Month IRA
0.25%	$100	-	9 Month Roth IRA
0.25%	$100	-	9 Month CESA
0.20%	$100	-	180 Day IRA
0.20%	$100	-	180 Day Roth IRA
0.20%	$100	-	180 Day CESA
0.15%	$100	-	90 Day IRA
0.15%	$100	-	90 Day Roth IRA
0.15%	$100	-	90 Day CESA
0.10%	$100	-	30 Day IRA
0.10%	$100	-	60 Day IRA
0.10%	$100	-	30 Day Roth IRA
0.10%	$100	-	60 Day Roth IRA
0.10%	$100	-	30 Day CESA
0.10%	$100	-	60 Day CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Select Bank & Trust Company
FDIC Certificate #	57783
BankRate Report	View
Year Established	2004
Employees	34
Primary Regulator	FDIC
Assets and Liabilities
Assets	$208.59 million
Loans	$159.79 million
Deposits	$163.03 million
Equity Capital	$27.04 million
Loan Loss Allowance	$2.90 million
Unbacked Noncurrent Loans	$206,000
Real Estate Owned	$75,000
Historic Data - September 2010
Assets	$188.28 million
Equity Capital	$18.61 million
Loan Loss Allowance	$2.16 million
Unbacked Noncurrent Loans	$141,000
Profit Margin - Quarterly
Net Interest Margin	3.62%
Return on Assets	0.62%
Return on Equity	5.88%
Interest Income	$7.02 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Select Bank & Trust Company had $281,000 in non-current loans and owned real-estate with $29.94 million in equity and loan loss allowances on hand to cover it. This gives Select Bank & Trust Company a Texas Ratio of 0.94% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Select Bank & Trust Company held steady from 0.68% as of September 30, 2010 to 0.94% as of September 30, 2011, resulting in a negative change of 38.23%. This indicates that the balance sheet and financial strength for Select Bank & Trust Company has held steady in recent periods.
Deposit Growth
In the past year, Select Bank & Trust Company has increased its total deposits by $14.66 million, resulting in 9.88% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Select Bank & Trust Company has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Select Bank & Trust Company has $208.59 million in assets with $29.94 million in equity, resulting in a capitalization level of 14.35%, which is excellent.

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Select Bank & Trust Company

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