Call reports 2016
BANK OF SUNSET & TRUST COMPANY — 2016
What BANK OF SUNSET & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 132,911,000 | 128,748,000 | 122,079,000 | 125,570,000 |
| Total loans | 84,179,000 | 84,644,000 | 85,916,000 | 90,563,000 |
| Allowance for loan losses | 701,000 | 731,000 | 760,000 | 789,000 |
| Securities available for sale | 39,517,000 | 36,078,000 | 28,052,000 | 22,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,583,000 | 112,841,000 | 107,956,000 | 103,923,000 |
| Interest-bearing deposits | 92,369,000 | 88,555,000 | 83,882,000 | 79,071,000 |
| Noninterest-bearing deposits | 26,214,000 | 24,286,000 | 24,074,000 | 24,852,000 |
| Equity capital | 12,720,000 | 12,813,000 | 12,961,000 | 12,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,217,000 | 2,460,000 | 3,720,000 | 4,949,000 |
| Interest expense | 78,000 | 156,000 | 244,000 | 331,000 |
| Net interest income | 1,139,000 | 2,304,000 | 3,476,000 | 4,618,000 |
| Noninterest income | 119,000 | 234,000 | 331,000 | 424,000 |
| Noninterest expense | 868,000 | 1,750,000 | 2,614,000 | 3,578,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 105,000 |
| Pretax income | 375,000 | 804,000 | 1,203,000 | 1,462,000 |
| Income tax | 75,000 | 153,000 | 235,000 | 274,000 |
| Net income | 300,000 | 651,000 | 968,000 | 1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,303,000 | 12,296,000 | 12,613,000 | 12,833,000 |
| Total capital | 13,004,000 | 13,027,000 | 13,373,000 | 13,622,000 |
| Risk-weighted assets | 83,032,000 | 86,363,000 | 86,402,000 | 100,333,000 |