Call reports 2006
SURREY BANK & TRUST — 2006
What SURREY BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 175,390,000 | 178,106,000 | 180,256,000 | 187,079,000 |
| Total loans | 145,959,000 | 145,475,000 | 148,116,000 | 156,383,000 |
| Allowance for loan losses | 2,365,000 | 2,436,000 | 2,529,000 | 2,531,000 |
| Securities available for sale | 3,128,000 | 3,615,000 | 3,628,000 | 3,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,438,000 | 143,022,000 | 145,761,000 | 152,531,000 |
| Interest-bearing deposits | 117,385,000 | 116,544,000 | 119,352,000 | 128,142,000 |
| Noninterest-bearing deposits | 24,053,000 | 26,478,000 | 26,409,000 | 24,389,000 |
| Equity capital | 16,513,000 | 17,115,000 | 17,867,000 | 18,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,123,000 | 6,377,000 | 9,825,000 | 13,446,000 |
| Interest expense | 1,155,000 | 2,387,000 | 3,740,000 | 5,234,000 |
| Net interest income | 1,968,000 | 3,990,000 | 6,085,000 | 8,212,000 |
| Noninterest income | 517,000 | 1,022,000 | 1,509,000 | 2,024,000 |
| Noninterest expense | 1,316,000 | 2,697,000 | 4,067,000 | 5,520,000 |
| Provision for loan losses | 83,000 | 281,000 | 410,000 | 614,000 |
| Pretax income | 1,086,000 | 2,034,000 | 3,117,000 | 4,102,000 |
| Income tax | 397,000 | 743,000 | 1,096,000 | 1,457,000 |
| Net income | 689,000 | 1,291,000 | 2,021,000 | 2,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,657,000 | 16,238,000 | 16,960,000 | 17,554,000 |
| Total capital | 17,424,000 | 18,029,000 | 18,799,000 | 19,419,000 |
| Risk-weighted assets | 140,766,000 | 142,641,000 | 146,412,000 | 148,544,000 |