Call reports 2004
SURREY BANK & TRUST — 2004
What SURREY BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 144,668,000 | 154,056,000 | 158,463,000 | 157,263,000 |
| Total loans | 125,150,000 | 125,747,000 | 130,624,000 | 135,340,000 |
| Allowance for loan losses | 2,122,000 | 2,149,000 | 2,195,000 | 2,294,000 |
| Securities available for sale | 3,812,000 | 2,971,000 | 3,221,000 | 2,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,604,000 | 131,599,000 | 133,201,000 | 128,347,000 |
| Interest-bearing deposits | 106,590,000 | 111,740,000 | 113,642,000 | 110,052,000 |
| Noninterest-bearing deposits | 16,014,000 | 19,859,000 | 19,559,000 | 18,295,000 |
| Equity capital | 11,816,000 | 12,438,000 | 13,179,000 | 13,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,988,000 | 4,042,000 | 6,174,000 | 8,448,000 |
| Interest expense | 524,000 | 1,111,000 | 1,766,000 | 2,461,000 |
| Net interest income | 1,464,000 | 2,931,000 | 4,408,000 | 5,987,000 |
| Noninterest income | 492,000 | 1,395,000 | 1,877,000 | 2,290,000 |
| Noninterest expense | 1,201,000 | 2,478,000 | 3,816,000 | 5,114,000 |
| Provision for loan losses | 85,000 | 127,000 | 208,000 | 325,000 |
| Pretax income | 670,000 | 1,721,000 | 2,261,000 | 2,838,000 |
| Income tax | 258,000 | 664,000 | 872,000 | 1,002,000 |
| Net income | 412,000 | 1,057,000 | 1,389,000 | 1,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,102,000 | 11,732,000 | 12,470,000 | 12,800,000 |
| Total capital | 12,699,000 | 13,360,000 | 14,164,000 | 14,534,000 |
| Risk-weighted assets | 127,201,000 | 129,687,000 | 135,037,000 | 138,173,000 |