Call reports 2002
SURREY BANK & TRUST — 2002
What SURREY BANK & TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 89,237,000 | 93,771,000 | 98,066,000 | 106,545,000 |
| Total loans | 78,173,000 | 78,993,000 | 82,176,000 | 87,683,000 |
| Allowance for loan losses | 1,328,000 | 1,439,000 | 1,485,000 | 1,831,000 |
| Securities available for sale | 3,853,000 | 3,724,000 | 3,431,000 | 4,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,991,000 | 74,649,000 | 77,539,000 | 86,899,000 |
| Interest-bearing deposits | 59,976,000 | 61,915,000 | 64,229,000 | 73,828,000 |
| Noninterest-bearing deposits | 11,015,000 | 12,734,000 | 13,310,000 | 13,071,000 |
| Equity capital | 8,300,000 | 8,603,000 | 8,954,000 | 9,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,606,000 | 3,271,000 | 4,968,000 | 6,674,000 |
| Interest expense | 555,000 | 1,070,000 | 1,579,000 | 2,096,000 |
| Net interest income | 1,051,000 | 2,201,000 | 3,389,000 | 4,578,000 |
| Noninterest income | 270,000 | 617,000 | 1,010,000 | 1,476,000 |
| Noninterest expense | 882,000 | 1,775,000 | 2,723,000 | 3,737,000 |
| Provision for loan losses | 110,000 | 232,000 | 303,000 | 651,000 |
| Pretax income | 329,000 | 811,000 | 1,373,000 | 1,666,000 |
| Income tax | 127,000 | 313,000 | 531,000 | 619,000 |
| Net income | 202,000 | 498,000 | 842,000 | 1,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,549,000 | 8,894,000 | 9,294,000 | 9,342,000 |
| Total capital | 9,591,000 | 9,970,000 | 10,420,000 | 10,530,000 |
| Risk-weighted assets | 83,139,000 | 85,747,000 | 89,730,000 | 94,454,000 |