Call reports 2009
SUMNER BANK & TRUST — 2009
What SUMNER BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 103,091,000 | 110,403,000 | 115,424,000 | 121,867,000 |
| Total loans | 70,654,000 | 70,522,000 | 72,252,000 | 81,285,000 |
| Allowance for loan losses | 951,000 | 1,057,000 | 947,000 | 1,219,000 |
| Securities available for sale | 20,216,000 | 24,713,000 | 27,456,000 | 31,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,335,000 | 92,247,000 | 97,277,000 | 99,176,000 |
| Interest-bearing deposits | 74,480,000 | 82,350,000 | 86,201,000 | 88,442,000 |
| Noninterest-bearing deposits | 8,855,000 | 9,897,000 | 11,076,000 | 10,734,000 |
| Equity capital | 11,187,000 | 10,843,000 | 10,878,000 | 10,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,238,000 | 2,484,000 | 3,780,000 | 5,132,000 |
| Interest expense | 486,000 | 1,003,000 | 1,520,000 | 2,019,000 |
| Net interest income | 752,000 | 1,481,000 | 2,260,000 | 3,113,000 |
| Noninterest income | 143,000 | 363,000 | 536,000 | 755,000 |
| Noninterest expense | 927,000 | 2,001,000 | 2,975,000 | 4,004,000 |
| Provision for loan losses | 96,000 | 204,000 | 385,000 | 655,000 |
| Pretax income | -18,000 | -251,000 | -429,000 | -553,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -18,000 | -251,000 | -429,000 | -553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,961,000 | 10,729,000 | 10,550,000 | 10,426,000 |
| Total capital | 11,912,000 | 11,678,000 | 11,497,000 | 11,525,000 |
| Risk-weighted assets | 75,907,000 | 75,691,000 | 78,998,000 | 87,782,000 |
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