Call reports 2015
SURREY BANK & TRUST — 2015
What SURREY BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 255,609,000 | 252,440,000 | 276,315,000 | 257,183,000 |
| Total loans | 192,561,000 | 193,568,000 | 198,743,000 | 201,532,000 |
| Allowance for loan losses | 3,420,000 | 3,687,000 | 3,568,000 | 3,627,000 |
| Securities available for sale | 3,798,000 | 3,814,000 | 4,831,000 | 4,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,059,000 | 207,517,000 | 229,984,000 | 213,863,000 |
| Interest-bearing deposits | 155,925,000 | 153,002,000 | 169,507,000 | 158,069,000 |
| Noninterest-bearing deposits | 54,134,000 | 54,515,000 | 60,477,000 | 55,794,000 |
| Equity capital | 36,714,000 | 37,469,000 | 38,284,000 | 37,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,718,000 | 5,440,000 | 8,226,000 | 11,079,000 |
| Interest expense | 297,000 | 585,000 | 864,000 | 1,135,000 |
| Net interest income | 2,421,000 | 4,855,000 | 7,362,000 | 9,944,000 |
| Noninterest income | 607,000 | 1,225,000 | 1,874,000 | 2,664,000 |
| Noninterest expense | 2,006,000 | 3,825,000 | 5,593,000 | 7,541,000 |
| Provision for loan losses | -114,000 | -43,000 | 86,000 | 242,000 |
| Pretax income | 1,136,000 | 2,298,000 | 3,557,000 | 4,825,000 |
| Income tax | 403,000 | 820,000 | 1,276,000 | 1,738,000 |
| Net income | 733,000 | 1,478,000 | 2,281,000 | 3,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,360,000 | 35,839,000 | 36,759,000 | 36,286,000 |
| Total capital | 37,550,000 | 38,056,000 | 39,062,000 | 38,674,000 |
| Risk-weighted assets | 172,693,000 | 174,538,000 | 181,704,000 | 188,484,000 |