Call reports 2014
SUMNER BANK & TRUST — 2014
What SUMNER BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 172,958,000 | 163,240,000 | 159,499,000 | 160,250,000 |
| Total loans | 82,570,000 | 82,100,000 | 85,264,000 | 89,430,000 |
| Allowance for loan losses | 1,517,000 | 1,505,000 | 1,445,000 | 1,354,000 |
| Securities available for sale | 49,877,000 | 48,224,000 | 52,065,000 | 50,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,770,000 | 143,724,000 | 143,704,000 | 138,298,000 |
| Interest-bearing deposits | 134,623,000 | 123,761,000 | 122,433,000 | 118,522,000 |
| Noninterest-bearing deposits | 19,147,000 | 19,963,000 | 21,271,000 | 19,776,000 |
| Equity capital | 15,425,000 | 15,964,000 | 13,626,000 | 14,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,665,000 | 3,972,000 | 5,317,000 |
| Interest expense | 212,000 | 380,000 | 536,000 | 679,000 |
| Net interest income | 1,145,000 | 2,285,000 | 3,436,000 | 4,638,000 |
| Noninterest income | 464,000 | 598,000 | 734,000 | 866,000 |
| Noninterest expense | 1,765,000 | 2,975,000 | 4,167,000 | 5,257,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -176,000 | -115,000 | 23,000 | 267,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -176,000 | -115,000 | 23,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,204,000 | 16,183,000 | 13,979,000 | 14,369,000 |
| Total capital | 17,394,000 | 17,337,000 | 15,162,000 | 15,614,000 |
| Risk-weighted assets | 94,868,000 | 91,951,000 | 94,368,000 | 99,518,000 |