Call reports 2013
SURREY BANK & TRUST — 2013
What SURREY BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 240,544,000 | 233,993,000 | 238,758,000 | 240,317,000 |
| Total loans | 181,307,000 | 183,882,000 | 181,819,000 | 183,284,000 |
| Allowance for loan losses | 3,342,000 | 3,431,000 | 3,300,000 | 3,375,000 |
| Securities available for sale | 4,004,000 | 3,488,000 | 3,995,000 | 3,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,206,000 | 190,312,000 | 193,794,000 | 195,844,000 |
| Interest-bearing deposits | 151,984,000 | 146,118,000 | 150,243,000 | 153,088,000 |
| Noninterest-bearing deposits | 42,222,000 | 44,194,000 | 43,551,000 | 42,756,000 |
| Equity capital | 32,288,000 | 32,895,000 | 33,652,000 | 33,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,642,000 | 5,287,000 | 7,895,000 | 10,517,000 |
| Interest expense | 385,000 | 782,000 | 1,147,000 | 1,505,000 |
| Net interest income | 2,257,000 | 4,505,000 | 6,748,000 | 9,012,000 |
| Noninterest income | 632,000 | 1,460,000 | 2,089,000 | 2,940,000 |
| Noninterest expense | 1,808,000 | 3,504,000 | 5,173,000 | 6,947,000 |
| Provision for loan losses | 42,000 | 136,000 | 148,000 | 320,000 |
| Pretax income | 1,039,000 | 2,325,000 | 3,516,000 | 4,685,000 |
| Income tax | 384,000 | 862,000 | 1,303,000 | 1,772,000 |
| Net income | 655,000 | 1,463,000 | 2,213,000 | 2,913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,016,000 | 31,519,000 | 32,322,000 | 32,148,000 |
| Total capital | 33,031,000 | 33,573,000 | 34,366,000 | 34,154,000 |
| Risk-weighted assets | 159,862,000 | 162,957,000 | 162,253,000 | 159,132,000 |