Call reports 2010
SUMNER BANK & TRUST — 2010
What SUMNER BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 125,523,000 | 129,500,000 | 131,555,000 | 136,216,000 |
| Total loans | 80,066,000 | 84,138,000 | 85,335,000 | 83,906,000 |
| Allowance for loan losses | 1,190,000 | 1,070,000 | 1,088,000 | 1,221,000 |
| Securities available for sale | 30,465,000 | 28,596,000 | 32,974,000 | 33,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,623,000 | 105,926,000 | 107,903,000 | 113,749,000 |
| Interest-bearing deposits | 91,425,000 | 93,847,000 | 97,074,000 | 101,602,000 |
| Noninterest-bearing deposits | 11,198,000 | 12,079,000 | 10,829,000 | 12,147,000 |
| Equity capital | 10,618,000 | 11,170,000 | 11,146,000 | 10,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,416,000 | 2,815,000 | 4,293,000 | 5,763,000 |
| Interest expense | 475,000 | 932,000 | 1,381,000 | 1,813,000 |
| Net interest income | 941,000 | 1,883,000 | 2,912,000 | 3,950,000 |
| Noninterest income | 189,000 | 561,000 | 1,084,000 | 1,510,000 |
| Noninterest expense | 1,061,000 | 2,263,000 | 3,633,000 | 5,047,000 |
| Provision for loan losses | 45,000 | 110,000 | 344,000 | 518,000 |
| Pretax income | 112,000 | 212,000 | 329,000 | 205,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 112,000 | 212,000 | 329,000 | 205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,542,000 | 10,645,000 | 10,766,000 | 10,645,000 |
| Total capital | 11,637,000 | 11,715,000 | 11,854,000 | 11,713,000 |
| Risk-weighted assets | 88,024,000 | 89,167,000 | 89,922,000 | 85,287,000 |