Call reports 2016
SURREY BANK & TRUST — 2016
What SURREY BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 260,504,000 | 262,596,000 | 268,028,000 | 277,056,000 |
| Total loans | 210,897,000 | 211,764,000 | 214,850,000 | 212,378,000 |
| Allowance for loan losses | 3,800,000 | 3,846,000 | 3,798,000 | 3,688,000 |
| Securities available for sale | 5,328,000 | 4,331,000 | 5,319,000 | 5,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,974,000 | 217,262,000 | 221,332,000 | 231,699,000 |
| Interest-bearing deposits | 156,405,000 | 156,222,000 | 155,189,000 | 168,922,000 |
| Noninterest-bearing deposits | 60,569,000 | 61,040,000 | 66,143,000 | 62,777,000 |
| Equity capital | 38,714,000 | 39,884,000 | 40,689,000 | 40,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,928,000 | 5,897,000 | 8,826,000 | 11,923,000 |
| Interest expense | 233,000 | 457,000 | 676,000 | 905,000 |
| Net interest income | 2,695,000 | 5,440,000 | 8,150,000 | 11,018,000 |
| Noninterest income | 538,000 | 1,466,000 | 2,086,000 | 2,826,000 |
| Noninterest expense | 1,897,000 | 3,799,000 | 5,753,000 | 7,835,000 |
| Provision for loan losses | 76,000 | 213,000 | 337,000 | 401,000 |
| Pretax income | 1,260,000 | 2,894,000 | 4,146,000 | 5,608,000 |
| Income tax | 445,000 | 912,000 | 1,352,000 | 1,913,000 |
| Net income | 815,000 | 1,982,000 | 2,794,000 | 3,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,948,000 | 38,095,000 | 38,892,000 | 38,666,000 |
| Total capital | 39,581,000 | 40,742,000 | 41,580,000 | 41,318,000 |
| Risk-weighted assets | 208,041,000 | 209,059,000 | 212,429,000 | 209,706,000 |