Call reports 2015
BANK OF SUNSET & TRUST COMPANY — 2015
What BANK OF SUNSET & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 123,859,000 | 122,624,000 | 119,869,000 | 129,951,000 |
| Total loans | 78,917,000 | 79,853,000 | 76,962,000 | 81,017,000 |
| Allowance for loan losses | 611,000 | 627,000 | 641,000 | 658,000 |
| Securities available for sale | 36,761,000 | 34,152,000 | 32,601,000 | 40,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,551,000 | 107,689,000 | 106,487,000 | 116,072,000 |
| Interest-bearing deposits | 84,812,000 | 83,155,000 | 79,965,000 | 91,295,000 |
| Noninterest-bearing deposits | 24,739,000 | 24,534,000 | 26,522,000 | 24,777,000 |
| Equity capital | 12,317,000 | 12,018,000 | 12,469,000 | 12,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,162,000 | 2,337,000 | 3,527,000 | 4,761,000 |
| Interest expense | 67,000 | 136,000 | 207,000 | 284,000 |
| Net interest income | 1,095,000 | 2,201,000 | 3,320,000 | 4,477,000 |
| Noninterest income | 106,000 | 220,000 | 317,000 | 415,000 |
| Noninterest expense | 826,000 | 1,647,000 | 2,501,000 | 3,499,000 |
| Provision for loan losses | 20,000 | 35,000 | 50,000 | 65,000 |
| Pretax income | 363,000 | 747,000 | 1,102,000 | 1,367,000 |
| Income tax | 54,000 | 129,000 | 195,000 | 224,000 |
| Net income | 309,000 | 618,000 | 907,000 | 1,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,895,000 | 11,839,000 | 12,128,000 | 12,352,000 |
| Total capital | 12,506,000 | 12,466,000 | 12,769,000 | 13,010,000 |
| Risk-weighted assets | 75,349,000 | 77,344,000 | 75,196,000 | 80,885,000 |