Call reports 2022
SUMNER BANK & TRUST — 2022
What SUMNER BANK & TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 226,942,000 | 221,119,000 | 218,065,000 | 223,956,000 |
| Total loans | 155,761,000 | 162,020,000 | 174,474,000 | 184,470,000 |
| Allowance for loan losses | 1,361,000 | 1,407,000 | 1,491,000 | 1,549,000 |
| Securities available for sale | 13,410,000 | 12,392,000 | 11,060,000 | 12,018,000 |
| Securities held to maturity | 2,685,000 | 2,670,000 | 2,656,000 | 2,642,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,551,000 | 200,539,000 | 196,986,000 | 201,855,000 |
| Interest-bearing deposits | 150,390,000 | 148,624,000 | 141,234,000 | 145,762,000 |
| Noninterest-bearing deposits | 56,161,000 | 51,915,000 | 55,752,000 | 56,093,000 |
| Equity capital | 19,972,000 | 20,229,000 | 20,609,000 | 21,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,911,000 | 4,008,000 | 6,444,000 | 9,208,000 |
| Interest expense | 89,000 | 176,000 | 268,000 | 460,000 |
| Net interest income | 1,822,000 | 3,832,000 | 6,176,000 | 8,748,000 |
| Noninterest income | 191,000 | 376,000 | 589,000 | 837,000 |
| Noninterest expense | 1,306,000 | 2,678,000 | 4,097,000 | 5,585,000 |
| Provision for loan losses | 45,000 | 90,000 | 177,000 | 252,000 |
| Pretax income | 662,000 | 1,440,000 | 2,491,000 | 3,748,000 |
| Income tax | 170,000 | 371,000 | 643,000 | 969,000 |
| Net income | 492,000 | 1,069,000 | 1,848,000 | 2,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,508,000 | 21,074,000 | 21,864,000 | 22,381,000 |
| Total capital | 21,869,000 | 22,481,000 | 23,355,000 | 23,930,000 |
| Risk-weighted assets | 159,705,000 | 165,545,000 | 175,702,000 | 183,087,000 |