Call reports 2013
SUMNER BANK & TRUST — 2013
What SUMNER BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 182,005,000 | 184,341,000 | 179,080,000 | 190,039,000 |
| Total loans | 106,093,000 | 110,022,000 | 109,929,000 | 93,369,000 |
| Allowance for loan losses | 1,395,000 | 1,495,000 | 1,604,000 | 1,517,000 |
| Securities available for sale | 32,623,000 | 31,314,000 | 33,893,000 | 36,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,624,000 | 159,027,000 | 154,137,000 | 165,682,000 |
| Interest-bearing deposits | 137,628,000 | 138,158,000 | 136,650,000 | 138,006,000 |
| Noninterest-bearing deposits | 17,996,000 | 20,869,000 | 17,487,000 | 27,676,000 |
| Equity capital | 17,211,000 | 16,173,000 | 15,780,000 | 15,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,553,000 | 3,064,000 | 4,606,000 | 6,180,000 |
| Interest expense | 322,000 | 632,000 | 942,000 | 1,241,000 |
| Net interest income | 1,231,000 | 2,432,000 | 3,664,000 | 4,939,000 |
| Noninterest income | 1,633,000 | 3,094,000 | 4,283,000 | 5,006,000 |
| Noninterest expense | 2,482,000 | 5,030,000 | 7,328,000 | 9,384,000 |
| Provision for loan losses | 120,000 | 240,000 | 320,000 | 320,000 |
| Pretax income | 262,000 | 256,000 | 299,000 | 263,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 262,000 | 256,000 | 299,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,544,000 | 16,521,000 | 16,529,000 | 16,412,000 |
| Total capital | 17,939,000 | 17,940,000 | 17,904,000 | 17,666,000 |
| Risk-weighted assets | 112,391,000 | 113,443,000 | 109,739,000 | 100,020,000 |