Call reports 2012
BANK OF SUNSET & TRUST COMPANY — 2012
What BANK OF SUNSET & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 111,592,000 | 115,263,000 | 117,580,000 | 118,521,000 |
| Total loans | 64,984,000 | 66,532,000 | 69,875,000 | 67,773,000 |
| Allowance for loan losses | 641,000 | 618,000 | 632,000 | 655,000 |
| Securities available for sale | 35,806,000 | 34,037,000 | 39,224,000 | 41,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,743,000 | 101,997,000 | 104,052,000 | 105,562,000 |
| Interest-bearing deposits | 78,767,000 | 82,254,000 | 83,201,000 | 83,326,000 |
| Noninterest-bearing deposits | 19,976,000 | 19,743,000 | 20,851,000 | 22,236,000 |
| Equity capital | 11,284,000 | 11,190,000 | 11,584,000 | 11,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,267,000 | 2,493,000 | 3,691,000 | 4,927,000 |
| Interest expense | 146,000 | 274,000 | 388,000 | 494,000 |
| Net interest income | 1,121,000 | 2,219,000 | 3,303,000 | 4,433,000 |
| Noninterest income | 116,000 | 229,000 | 340,000 | 445,000 |
| Noninterest expense | 797,000 | 1,501,000 | 2,346,000 | 3,223,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 90,000 |
| Pretax income | 430,000 | 945,000 | 1,287,000 | 1,621,000 |
| Income tax | 113,000 | 330,000 | 372,000 | 392,000 |
| Net income | 317,000 | 615,000 | 915,000 | 1,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,420,000 | 10,336,000 | 10,635,000 | 10,776,000 |
| Total capital | 11,061,000 | 10,954,000 | 11,267,000 | 11,431,000 |
| Risk-weighted assets | 72,677,000 | 66,679,000 | 76,667,000 | 75,787,000 |