Call reports 2020
BANK OF SUNSET & TRUST COMPANY — 2020
What BANK OF SUNSET & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 156,852,000 | 170,837,000 | 170,211,000 | 167,960,000 |
| Total loans | 115,913,000 | 131,251,000 | 130,278,000 | 131,683,000 |
| Allowance for loan losses | 1,137,000 | 1,167,000 | 1,196,000 | 1,225,000 |
| Securities available for sale | 15,411,000 | 14,810,000 | 13,626,000 | 12,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,912,000 | 144,059,000 | 148,930,000 | 147,889,000 |
| Interest-bearing deposits | 99,563,000 | 102,112,000 | 108,838,000 | 105,756,000 |
| Noninterest-bearing deposits | 32,349,000 | 41,947,000 | 40,092,000 | 42,133,000 |
| Equity capital | 15,021,000 | 15,109,000 | 15,533,000 | 15,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,695,000 | 3,401,000 | 5,140,000 | 6,919,000 |
| Interest expense | 316,000 | 598,000 | 859,000 | 1,095,000 |
| Net interest income | 1,379,000 | 2,803,000 | 4,281,000 | 5,824,000 |
| Noninterest income | 179,000 | 323,000 | 486,000 | 639,000 |
| Noninterest expense | 1,012,000 | 1,985,000 | 3,036,000 | 4,223,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 510,000 | 1,075,000 | 1,635,000 | 2,114,000 |
| Income tax | 95,000 | 195,000 | 298,000 | 402,000 |
| Net income | 415,000 | 880,000 | 1,337,000 | 1,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,792,000 | 14,839,000 | 15,294,000 | 15,250,000 |