Call reports 2005
SUMTER NATIONAL BANK — 2005
What SUMTER NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 134,953,000 | 138,062,000 | 141,874,000 | 140,672,000 |
| Total loans | 122,654,000 | 123,305,000 | 122,618,000 | 121,254,000 |
| Allowance for loan losses | 1,368,000 | 1,226,000 | 2,728,000 | 7,741,000 |
| Securities available for sale | 3,224,000 | 3,227,000 | 3,543,000 | 4,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,409,000 | 116,995,000 | 121,316,000 | 120,911,000 |
| Interest-bearing deposits | 97,694,000 | 99,631,000 | 104,620,000 | 103,305,000 |
| Noninterest-bearing deposits | 16,715,000 | 17,364,000 | 16,696,000 | 17,606,000 |
| Equity capital | 10,917,000 | 11,325,000 | 10,778,000 | 10,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,030,000 | 4,169,000 | 6,471,000 | 8,732,000 |
| Interest expense | 669,000 | 1,398,000 | 2,248,000 | 3,146,000 |
| Net interest income | 1,361,000 | 2,771,000 | 4,223,000 | 5,586,000 |
| Noninterest income | 262,000 | 547,000 | 879,000 | 1,115,000 |
| Noninterest expense | 731,000 | 1,489,000 | 2,239,000 | 2,925,000 |
| Provision for loan losses | 270,000 | 570,000 | 2,470,000 | 8,300,000 |
| Pretax income | 622,000 | 1,259,000 | 393,000 | -4,524,000 |
| Income tax | 226,000 | 459,000 | 141,000 | -1,544,000 |
| Net income | 396,000 | 800,000 | 252,000 | -2,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,935,000 | 11,340,000 | 10,792,000 | 10,060,000 |
| Total capital | 12,303,000 | 12,566,000 | 12,232,000 | 11,518,000 |
| Risk-weighted assets | 113,484,000 | 114,988,000 | 113,941,000 | 110,393,000 |