Call reports 2010
SURREY BANK & TRUST — 2010
What SURREY BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 219,092,000 | 218,730,000 | 220,909,000 | 213,617,000 |
| Total loans | 182,309,000 | 178,652,000 | 177,294,000 | 175,969,000 |
| Allowance for loan losses | 5,438,000 | 3,939,000 | 4,097,000 | 4,175,000 |
| Securities available for sale | 2,001,000 | 2,030,000 | 1,999,000 | 2,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,468,000 | 178,961,000 | 181,105,000 | 174,377,000 |
| Interest-bearing deposits | 149,940,000 | 148,204,000 | 147,686,000 | 146,405,000 |
| Noninterest-bearing deposits | 27,528,000 | 30,757,000 | 33,419,000 | 27,972,000 |
| Equity capital | 27,189,000 | 27,772,000 | 28,069,000 | 28,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,783,000 | 5,577,000 | 8,336,000 | 11,150,000 |
| Interest expense | 635,000 | 1,274,000 | 1,888,000 | 2,491,000 |
| Net interest income | 2,148,000 | 4,303,000 | 6,448,000 | 8,659,000 |
| Noninterest income | 799,000 | 1,397,000 | 1,972,000 | 2,699,000 |
| Noninterest expense | 1,643,000 | 3,251,000 | 4,853,000 | 6,404,000 |
| Provision for loan losses | 949,000 | 1,204,000 | 1,841,000 | 3,004,000 |
| Pretax income | 355,000 | 1,245,000 | 1,726,000 | 1,950,000 |
| Income tax | 124,000 | 458,000 | 631,000 | 700,000 |
| Net income | 231,000 | 787,000 | 1,095,000 | 1,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,275,000 | 25,842,000 | 26,131,000 | 25,534,000 |
| Total capital | 27,401,000 | 27,931,000 | 28,222,000 | 27,591,000 |
| Risk-weighted assets | 166,741,000 | 165,191,000 | 165,257,000 | 162,407,000 |