Call reports 2004
SUMTER NATIONAL BANK — 2004
What SUMTER NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 123,406,000 | 128,342,000 | 133,822,000 | 135,450,000 |
| Total loans | 107,751,000 | 113,888,000 | 123,140,000 | 119,357,000 |
| Allowance for loan losses | 1,391,000 | 1,388,000 | 2,813,000 | 1,174,000 |
| Securities available for sale | 3,747,000 | 3,745,000 | 3,266,000 | 3,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,438,000 | 106,071,000 | 107,611,000 | 112,361,000 |
| Interest-bearing deposits | 83,019,000 | 89,950,000 | 90,895,000 | 93,828,000 |
| Noninterest-bearing deposits | 17,419,000 | 16,121,000 | 16,716,000 | 18,533,000 |
| Equity capital | 11,330,000 | 11,625,000 | 11,051,000 | 10,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,672,000 | 3,435,000 | 5,305,000 | 7,309,000 |
| Interest expense | 530,000 | 1,067,000 | 1,648,000 | 2,282,000 |
| Net interest income | 1,142,000 | 2,368,000 | 3,657,000 | 5,027,000 |
| Noninterest income | 274,000 | 530,000 | 791,000 | 999,000 |
| Noninterest expense | 628,000 | 1,251,000 | 1,915,000 | 2,483,000 |
| Provision for loan losses | 90,000 | 200,000 | 1,700,000 | 3,500,000 |
| Pretax income | 698,000 | 1,447,000 | 833,000 | 43,000 |
| Income tax | 251,000 | 521,000 | 304,000 | 22,000 |
| Net income | 447,000 | 926,000 | 529,000 | 21,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,326,000 | 11,625,000 | 11,048,000 | 10,540,000 |
| Total capital | 12,626,000 | 12,981,000 | 12,501,000 | 11,714,000 |
| Risk-weighted assets | 103,893,000 | 108,421,000 | 114,879,000 | 111,464,000 |