Call reports 2008
SUMNER BANK & TRUST — 2008
What SUMNER BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 82,628,000 | 90,568,000 | 94,356,000 | 90,405,000 |
| Total loans | 53,451,000 | 61,650,000 | 67,138,000 | 68,361,000 |
| Allowance for loan losses | 687,000 | 771,000 | 839,000 | 855,000 |
| Securities available for sale | 17,183,000 | 16,045,000 | 15,627,000 | 15,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,901,000 | 78,663,000 | 82,415,000 | 78,347,000 |
| Interest-bearing deposits | 60,277,000 | 67,748,000 | 70,631,000 | 68,627,000 |
| Noninterest-bearing deposits | 10,624,000 | 10,915,000 | 11,784,000 | 9,720,000 |
| Equity capital | 11,047,000 | 11,237,000 | 11,241,000 | 11,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,238,000 | 2,397,000 | 3,629,000 | 4,823,000 |
| Interest expense | 599,000 | 1,100,000 | 1,611,000 | 2,110,000 |
| Net interest income | 639,000 | 1,297,000 | 2,018,000 | 2,713,000 |
| Noninterest income | 71,000 | 156,000 | 247,000 | 350,000 |
| Noninterest expense | 789,000 | 1,610,000 | 2,430,000 | 3,319,000 |
| Provision for loan losses | 39,000 | 128,000 | 196,000 | 281,000 |
| Pretax income | -118,000 | -285,000 | -361,000 | -546,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -118,000 | -285,000 | -361,000 | -546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,700,000 | 11,218,000 | 11,151,000 | 10,972,000 |
| Total capital | 11,387,000 | 11,989,000 | 11,990,000 | 11,827,000 |
| Risk-weighted assets | 61,117,000 | 69,570,000 | 74,089,000 | 74,251,000 |
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