Call reports 2004
SUMNER NATIONAL BANK OF SHELDON — 2004
What SUMNER NATIONAL BANK OF SHELDON reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 10,805,000 | 12,057,000 | 11,625,000 | 11,700,000 |
| Total loans | 7,649,000 | 7,839,000 | 8,012,000 | 7,828,000 |
| Allowance for loan losses | 113,000 | 118,000 | 119,000 | 117,000 |
| Securities available for sale | 1,744,000 | 1,821,000 | 2,716,000 | 2,651,000 |
| Securities held to maturity | 301,000 | 92,000 | 92,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,587,000 | 10,809,000 | 10,159,000 | 10,456,000 |
| Interest-bearing deposits | 8,102,000 | 8,725,000 | 8,704,000 | 8,831,000 |
| Noninterest-bearing deposits | 1,485,000 | 2,084,000 | 1,455,000 | 1,625,000 |
| Equity capital | 1,214,000 | 1,244,000 | 1,262,000 | 1,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 154,000 | 310,000 | 467,000 | 617,000 |
| Interest expense | 35,000 | 63,000 | 94,000 | 125,000 |
| Net interest income | 119,000 | 247,000 | 373,000 | 492,000 |
| Noninterest income | 26,000 | 66,000 | 96,000 | 124,000 |
| Noninterest expense | 100,000 | 195,000 | 300,000 | 412,000 |
| Provision for loan losses | 1,000 | 5,000 | 11,000 | 22,000 |
| Pretax income | 44,000 | 113,000 | 158,000 | 182,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 44,000 | 113,000 | 158,000 | 182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,204,000 | 1,246,000 | 1,264,000 | 1,244,000 |
| Total capital | 1,291,000 | 1,339,000 | 1,356,000 | 1,335,000 |
| Risk-weighted assets | 6,918,000 | 7,381,000 | 7,343,000 | 7,263,000 |
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