Call reports 2003
SURREY BANK & TRUST — 2003
What SURREY BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 108,941,000 | 115,850,000 | 132,720,000 | 135,077,000 |
| Total loans | 95,848,000 | 102,591,000 | 114,642,000 | 119,473,000 |
| Allowance for loan losses | 2,014,000 | 2,072,000 | 2,006,000 | 2,110,000 |
| Securities available for sale | 3,108,000 | 3,553,000 | 3,994,000 | 5,426,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,845,000 | 97,575,000 | 106,966,000 | 112,980,000 |
| Interest-bearing deposits | 76,904,000 | 80,422,000 | 92,334,000 | 96,668,000 |
| Noninterest-bearing deposits | 13,941,000 | 17,153,000 | 14,632,000 | 16,312,000 |
| Equity capital | 9,493,000 | 9,942,000 | 11,192,000 | 11,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,716,000 | 3,501,000 | 5,408,000 | 7,384,000 |
| Interest expense | 515,000 | 1,007,000 | 1,488,000 | 1,976,000 |
| Net interest income | 1,201,000 | 2,494,000 | 3,920,000 | 5,408,000 |
| Noninterest income | 450,000 | 1,119,000 | 1,325,000 | 1,855,000 |
| Noninterest expense | 965,000 | 2,113,000 | 3,356,000 | 4,862,000 |
| Provision for loan losses | 147,000 | 209,000 | 181,000 | 379,000 |
| Pretax income | 539,000 | 1,291,000 | 1,708,000 | 2,022,000 |
| Income tax | 208,000 | 499,000 | 660,000 | 759,000 |
| Net income | 331,000 | 792,000 | 1,048,000 | 1,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,949,000 | 9,397,000 | 10,650,000 | 10,688,000 |
| Total capital | 10,194,000 | 10,732,000 | 12,120,000 | 12,201,000 |
| Risk-weighted assets | 98,838,000 | 106,071,000 | 117,054,000 | 120,445,000 |