Call reports 2016
SUMNER BANK & TRUST — 2016
What SUMNER BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 151,862,000 | 152,488,000 | 154,326,000 | 154,304,000 |
| Total loans | 98,064,000 | 94,894,000 | 98,632,000 | 103,136,000 |
| Allowance for loan losses | 1,226,000 | 1,236,000 | 1,237,000 | 1,300,000 |
| Securities available for sale | 39,511,000 | 38,412,000 | 35,985,000 | 33,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,331,000 | 136,507,000 | 138,061,000 | 138,772,000 |
| Interest-bearing deposits | 116,202,000 | 116,185,000 | 114,596,000 | 112,639,000 |
| Noninterest-bearing deposits | 18,129,000 | 20,322,000 | 23,465,000 | 26,133,000 |
| Equity capital | 13,730,000 | 14,104,000 | 14,248,000 | 13,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,385,000 | 2,764,000 | 4,144,000 | 5,571,000 |
| Interest expense | 128,000 | 270,000 | 413,000 | 557,000 |
| Net interest income | 1,257,000 | 2,494,000 | 3,731,000 | 5,014,000 |
| Noninterest income | 153,000 | 324,000 | 452,000 | 523,000 |
| Noninterest expense | 1,078,000 | 2,218,000 | 3,326,000 | 4,424,000 |
| Provision for loan losses | 52,000 | 63,000 | 63,000 | 63,000 |
| Pretax income | 280,000 | 537,000 | 825,000 | 1,081,000 |
| Income tax | 105,000 | 201,000 | 309,000 | 405,000 |
| Net income | 175,000 | 336,000 | 516,000 | 676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,421,000 | 13,581,000 | 13,761,000 | 13,817,000 |
| Total capital | 14,647,000 | 14,817,000 | 14,998,000 | 15,117,000 |
| Risk-weighted assets | 112,290,000 | 114,288,000 | 117,549,000 | 119,387,000 |