Call reports 2020
SUMNER BANK & TRUST — 2020
What SUMNER BANK & TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 185,154,000 | 187,921,000 | 183,767,000 | 194,130,000 |
| Total loans | 121,513,000 | 133,841,000 | 138,442,000 | 126,501,000 |
| Allowance for loan losses | 1,130,000 | 1,187,000 | 1,271,000 | 1,268,000 |
| Securities available for sale | 17,934,000 | 17,339,000 | 15,259,000 | 14,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,827,000 | 167,913,000 | 163,454,000 | 173,689,000 |
| Interest-bearing deposits | 129,800,000 | 127,131,000 | 122,433,000 | 127,140,000 |
| Noninterest-bearing deposits | 36,027,000 | 40,782,000 | 41,021,000 | 46,549,000 |
| Equity capital | 18,178,000 | 18,744,000 | 19,145,000 | 19,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,804,000 | 3,514,000 | 5,277,000 | 7,136,000 |
| Interest expense | 200,000 | 365,000 | 509,000 | 641,000 |
| Net interest income | 1,604,000 | 3,149,000 | 4,768,000 | 6,495,000 |
| Noninterest income | 193,000 | 358,000 | 539,000 | 706,000 |
| Noninterest expense | 1,338,000 | 2,444,000 | 3,688,000 | 4,890,000 |
| Provision for loan losses | 0 | 60,000 | 150,000 | 150,000 |
| Pretax income | 459,000 | 1,003,000 | 1,514,000 | 2,206,000 |
| Income tax | 117,000 | 256,000 | 387,000 | 565,000 |
| Net income | 342,000 | 747,000 | 1,127,000 | 1,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,872,000 | 18,277,000 | 18,657,000 | 18,861,000 |
| Total capital | 19,002,000 | 19,464,000 | 19,928,000 | 20,129,000 |
| Risk-weighted assets | 130,471,000 | 131,694,000 | 133,859,000 | 129,456,000 |