Call reports 2009
SURREY BANK & TRUST — 2009
What SURREY BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 207,185,000 | 204,440,000 | 213,149,000 | 216,920,000 |
| Total loans | 177,408,000 | 173,848,000 | 179,829,000 | 185,112,000 |
| Allowance for loan losses | 4,005,000 | 3,940,000 | 4,101,000 | 4,670,000 |
| Securities available for sale | 2,639,000 | 2,631,000 | 1,619,000 | 2,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,116,000 | 165,936,000 | 170,597,000 | 175,462,000 |
| Interest-bearing deposits | 141,392,000 | 141,739,000 | 143,875,000 | 150,745,000 |
| Noninterest-bearing deposits | 25,724,000 | 24,196,000 | 26,722,000 | 24,718,000 |
| Equity capital | 25,756,000 | 26,175,000 | 26,705,000 | 26,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,648,000 | 5,305,000 | 8,061,000 | 10,847,000 |
| Interest expense | 934,000 | 1,780,000 | 2,555,000 | 3,265,000 |
| Net interest income | 1,714,000 | 3,525,000 | 5,506,000 | 7,582,000 |
| Noninterest income | 1,555,000 | 2,116,000 | 2,701,000 | 3,470,000 |
| Noninterest expense | 1,598,000 | 3,333,000 | 4,847,000 | 6,510,000 |
| Provision for loan losses | 755,000 | 754,000 | 1,015,000 | 1,605,000 |
| Pretax income | 916,000 | 1,554,000 | 2,345,000 | 2,937,000 |
| Income tax | -71,000 | 156,000 | 420,000 | 709,000 |
| Net income | 987,000 | 1,398,000 | 1,925,000 | 2,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,373,000 | 24,777,000 | 25,292,000 | 25,052,000 |
| Total capital | 26,492,000 | 26,843,000 | 27,418,000 | 27,191,000 |
| Risk-weighted assets | 167,655,000 | 163,372,000 | 168,108,000 | 168,629,000 |