Call reports 2014
SURREY BANK & TRUST — 2014
What SURREY BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 249,770,000 | 249,418,000 | 252,248,000 | 252,580,000 |
| Total loans | 182,392,000 | 184,434,000 | 192,467,000 | 193,104,000 |
| Allowance for loan losses | 3,364,000 | 3,523,000 | 3,653,000 | 3,555,000 |
| Securities available for sale | 3,993,000 | 3,789,000 | 3,789,000 | 3,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,229,000 | 203,381,000 | 204,787,000 | 207,654,000 |
| Interest-bearing deposits | 160,751,000 | 153,625,000 | 153,282,000 | 153,697,000 |
| Noninterest-bearing deposits | 44,478,000 | 49,756,000 | 51,505,000 | 53,957,000 |
| Equity capital | 34,162,000 | 34,986,000 | 35,618,000 | 35,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,629,000 | 5,305,000 | 8,026,000 | 10,792,000 |
| Interest expense | 347,000 | 691,000 | 1,034,000 | 1,350,000 |
| Net interest income | 2,282,000 | 4,614,000 | 6,992,000 | 9,442,000 |
| Noninterest income | 574,000 | 1,307,000 | 1,929,000 | 3,273,000 |
| Noninterest expense | 1,853,000 | 3,609,000 | 5,344,000 | 7,259,000 |
| Provision for loan losses | -62,000 | -6,000 | 133,000 | 212,000 |
| Pretax income | 1,065,000 | 2,318,000 | 3,444,000 | 5,244,000 |
| Income tax | 387,000 | 846,000 | 1,252,000 | 1,767,000 |
| Net income | 678,000 | 1,472,000 | 2,192,000 | 3,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,779,000 | 33,493,000 | 34,044,000 | 34,438,000 |
| Total capital | 34,778,000 | 35,566,000 | 36,244,000 | 36,624,000 |
| Risk-weighted assets | 158,595,000 | 164,416,000 | 174,565,000 | 173,476,000 |