Call reports 2006
SUMTER NATIONAL BANK — 2006
What SUMTER NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Total assets | 137,562,000 | 136,059,000 | 132,798,000 |
| Total loans | 114,952,000 | 106,696,000 | 100,823,000 |
| Allowance for loan losses | 6,950,000 | 6,243,000 | 5,173,000 |
| Securities available for sale | 4,273,000 | 6,268,000 | 5,549,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 117,699,000 | 118,804,000 | 115,147,000 |
| Interest-bearing deposits | 100,091,000 | 101,851,000 | 98,914,000 |
| Noninterest-bearing deposits | 17,608,000 | 16,953,000 | 16,233,000 |
| Equity capital | 10,236,000 | 10,416,000 | 10,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Interest income | 2,137,000 | 4,330,000 | 6,624,000 |
| Interest expense | 903,000 | 1,891,000 | 2,933,000 |
| Net interest income | 1,234,000 | 2,439,000 | 3,691,000 |
| Noninterest income | 318,000 | 604,000 | 866,000 |
| Noninterest expense | 850,000 | 1,687,000 | 2,499,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 |
| Pretax income | 327,000 | 606,000 | 933,000 |
| Income tax | 124,000 | 219,000 | 342,000 |
| Net income | 203,000 | 387,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Tier 1 capital | 10,263,000 | 10,447,000 | 10,651,000 |
| Total capital | 11,638,000 | 11,731,000 | 11,866,000 |
| Risk-weighted assets | 104,388,000 | 97,771,000 | 93,256,000 |