Call reports 2008
SURREY BANK & TRUST — 2008
What SURREY BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 202,792,000 | 205,924,000 | 205,489,000 | 204,148,000 |
| Total loans | 170,794,000 | 174,824,000 | 173,933,000 | 175,446,000 |
| Allowance for loan losses | 2,890,000 | 2,943,000 | 3,049,000 | 3,365,000 |
| Securities available for sale | 2,128,000 | 2,842,000 | 2,639,000 | 2,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,588,000 | 164,147,000 | 167,666,000 | 165,359,000 |
| Interest-bearing deposits | 139,634,000 | 136,902,000 | 141,974,000 | 141,126,000 |
| Noninterest-bearing deposits | 25,954,000 | 27,245,000 | 25,692,000 | 24,232,000 |
| Equity capital | 21,649,000 | 22,075,000 | 22,528,000 | 22,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,378,000 | 6,437,000 | 9,536,000 | 12,356,000 |
| Interest expense | 1,603,000 | 3,002,000 | 4,321,000 | 5,495,000 |
| Net interest income | 1,775,000 | 3,435,000 | 5,215,000 | 6,861,000 |
| Noninterest income | 546,000 | 1,114,000 | 1,702,000 | 2,446,000 |
| Noninterest expense | 1,573,000 | 3,052,000 | 4,572,000 | 6,167,000 |
| Provision for loan losses | 142,000 | 236,000 | 397,000 | 800,000 |
| Pretax income | 606,000 | 1,261,000 | 1,948,000 | 2,340,000 |
| Income tax | 199,000 | 419,000 | 651,000 | 825,000 |
| Net income | 407,000 | 842,000 | 1,297,000 | 1,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,484,000 | 20,906,000 | 21,353,000 | 21,399,000 |
| Total capital | 22,573,000 | 23,043,000 | 23,482,000 | 23,547,000 |
| Risk-weighted assets | 166,341,000 | 170,192,000 | 169,384,000 | 170,605,000 |