Call reports 2023
SUMNER BANK & TRUST — 2023
What SUMNER BANK & TRUST reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 |
|---|---|---|---|
| Total assets | 233,793,000 | 235,622,000 | 238,334,000 |
| Total loans | 186,294,000 | 185,920,000 | 188,498,000 |
| Allowance for loan losses | 1,844,000 | 1,882,000 | 1,747,000 |
| Securities available for sale | 11,619,000 | 11,128,000 | 10,372,000 |
| Securities held to maturity | 2,628,000 | 2,613,000 | 2,598,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 210,652,000 | 212,306,000 | 213,822,000 |
| Interest-bearing deposits | 162,052,000 | 162,289,000 | 167,099,000 |
| Noninterest-bearing deposits | 48,600,000 | 50,017,000 | 46,723,000 |
| Equity capital | 22,095,000 | 22,940,000 | 24,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 |
|---|---|---|---|
| Interest income | 2,996,000 | 6,115,000 | 9,585,000 |
| Interest expense | 356,000 | 821,000 | 1,398,000 |
| Net interest income | 2,640,000 | 5,294,000 | 8,187,000 |
| Noninterest income | 199,000 | 373,000 | 578,000 |
| Noninterest expense | 1,509,000 | 3,035,000 | 4,531,000 |
| Provision for loan losses | 120,000 | 160,000 | 30,000 |
| Pretax income | 1,210,000 | 2,472,000 | 4,299,000 |
| Income tax | 320,000 | 657,000 | 1,146,000 |
| Net income | 890,000 | 1,815,000 | 3,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 |
|---|---|---|---|
| Tier 1 capital | 22,971,000 | 23,894,000 | 25,253,000 |
| Total capital | 25,064,000 | 26,025,000 | 27,154,000 |
| Risk-weighted assets | 184,548,000 | 184,085,000 | 186,633,000 |