Call reports 2012
SUMNER BANK & TRUST — 2012
What SUMNER BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 156,536,000 | 164,915,000 | 168,964,000 | 183,960,000 |
| Total loans | 106,638,000 | 111,028,000 | 120,530,000 | 121,633,000 |
| Allowance for loan losses | 1,453,000 | 1,458,000 | 1,551,000 | 1,652,000 |
| Securities available for sale | 37,417,000 | 36,212,000 | 34,864,000 | 33,275,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,323,000 | 139,237,000 | 142,469,000 | 157,588,000 |
| Interest-bearing deposits | 116,941,000 | 121,877,000 | 126,169,000 | 138,801,000 |
| Noninterest-bearing deposits | 13,382,000 | 17,360,000 | 16,300,000 | 18,787,000 |
| Equity capital | 15,879,000 | 16,381,000 | 16,880,000 | 17,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,569,000 | 3,242,000 | 4,957,000 | 6,646,000 |
| Interest expense | 347,000 | 689,000 | 1,029,000 | 1,358,000 |
| Net interest income | 1,222,000 | 2,553,000 | 3,928,000 | 5,288,000 |
| Noninterest income | 976,000 | 2,303,000 | 4,258,000 | 6,246,000 |
| Noninterest expense | 1,907,000 | 4,222,000 | 7,128,000 | 10,030,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 172,000 | 395,000 | 723,000 | 1,070,000 |
| Income tax | 0 | 0 | 0 | -41,000 |
| Net income | 172,000 | 395,000 | 723,000 | 1,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,448,000 | 15,623,000 | 15,922,000 | 16,291,000 |
| Total capital | 16,768,000 | 17,009,000 | 17,359,000 | 17,790,000 |
| Risk-weighted assets | 105,500,000 | 110,831,000 | 114,878,000 | 119,760,000 |