Call reports 2007
SUMNER BANK & TRUST — 2007
What SUMNER BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 61,703,000 | 67,289,000 | 83,736,000 | 82,491,000 |
| Total loans | 35,894,000 | 39,157,000 | 44,480,000 | 51,703,000 |
| Allowance for loan losses | 448,000 | 497,000 | 556,000 | 646,000 |
| Securities available for sale | 16,330,000 | 14,985,000 | 19,380,000 | 19,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,452,000 | 57,167,000 | 73,567,000 | 72,169,000 |
| Interest-bearing deposits | 44,989,000 | 47,931,000 | 64,956,000 | 62,690,000 |
| Noninterest-bearing deposits | 6,463,000 | 9,236,000 | 8,611,000 | 9,479,000 |
| Equity capital | 10,140,000 | 9,968,000 | 9,979,000 | 10,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 954,000 | 2,031,000 | 3,182,000 | 4,478,000 |
| Interest expense | 415,000 | 907,000 | 1,460,000 | 2,124,000 |
| Net interest income | 539,000 | 1,124,000 | 1,722,000 | 2,354,000 |
| Noninterest income | 48,000 | 135,000 | 219,000 | 282,000 |
| Noninterest expense | 591,000 | 1,333,000 | 2,160,000 | 3,007,000 |
| Provision for loan losses | 58,000 | 110,000 | 172,000 | 263,000 |
| Pretax income | -62,000 | -184,000 | -391,000 | -634,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -62,000 | -184,000 | -391,000 | -634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,260,000 | 10,186,000 | 10,044,000 | 10,005,000 |
| Total capital | 10,708,000 | 10,675,000 | 10,600,000 | 10,651,000 |
| Risk-weighted assets | 43,643,000 | 46,802,000 | 54,923,000 | 60,442,000 |
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