Call reports 2015
SUMNER BANK & TRUST — 2015
What SUMNER BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 156,819,000 | 159,831,000 | 157,923,000 | 155,042,000 |
| Total loans | 86,960,000 | 90,531,000 | 94,085,000 | 97,557,000 |
| Allowance for loan losses | 1,354,000 | 1,298,000 | 1,280,000 | 1,179,000 |
| Securities available for sale | 43,772,000 | 43,558,000 | 42,586,000 | 40,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,305,000 | 138,346,000 | 135,953,000 | 134,871,000 |
| Interest-bearing deposits | 116,334,000 | 118,532,000 | 115,982,000 | 113,729,000 |
| Noninterest-bearing deposits | 18,971,000 | 19,814,000 | 19,971,000 | 21,141,000 |
| Equity capital | 14,057,000 | 14,038,000 | 14,359,000 | 13,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,290,000 | 2,571,000 | 3,908,000 | 5,287,000 |
| Interest expense | 138,000 | 281,000 | 417,000 | 546,000 |
| Net interest income | 1,152,000 | 2,290,000 | 3,491,000 | 4,741,000 |
| Noninterest income | 208,000 | 353,000 | 494,000 | 567,000 |
| Noninterest expense | 1,120,000 | 2,295,000 | 3,437,000 | 4,505,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 110,000 |
| Pretax income | 266,000 | 374,000 | 556,000 | 731,000 |
| Income tax | 0 | -335,000 | -268,000 | -203,000 |
| Net income | 266,000 | 709,000 | 824,000 | 934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,631,000 | 14,058,000 | 14,156,000 | 13,247,000 |
| Total capital | 14,897,000 | 15,356,000 | 15,436,000 | 14,426,000 |
| Risk-weighted assets | 101,207,000 | 110,146,000 | 113,088,000 | 112,256,000 |