Call reports 2025
BANK OF SUNSET & TRUST COMPANY — 2025
What BANK OF SUNSET & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 197,621,000 | 195,075,000 | 190,459,000 | 188,701,000 |
| Total loans | 157,706,000 | 156,593,000 | 152,259,000 | 153,173,000 |
| Allowance for loan losses | 1,724,000 | 1,757,000 | 1,887,000 | 1,944,000 |
| Securities available for sale | 18,841,000 | 18,560,000 | 18,097,000 | 17,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,283,000 | 173,928,000 | 168,850,000 | 166,700,000 |
| Interest-bearing deposits | 128,075,000 | 128,712,000 | 124,891,000 | 124,638,000 |
| Noninterest-bearing deposits | 49,208,000 | 45,216,000 | 43,959,000 | 42,062,000 |
| Equity capital | 17,885,000 | 18,160,000 | 19,055,000 | 19,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,798,000 | 5,747,000 | 8,693,000 | 11,625,000 |
| Interest expense | 728,000 | 1,456,000 | 2,180,000 | 2,870,000 |
| Net interest income | 2,070,000 | 4,291,000 | 6,513,000 | 8,755,000 |
| Noninterest income | 150,000 | 330,000 | 469,000 | 617,000 |
| Noninterest expense | 1,361,000 | 2,758,000 | 4,125,000 | 5,531,000 |
| Provision for loan losses | 70,000 | 100,000 | 235,000 | 295,000 |
| Pretax income | 789,000 | 1,763,000 | 2,622,000 | 3,546,000 |
| Income tax | 151,000 | 348,000 | 511,000 | 681,000 |
| Net income | 638,000 | 1,415,000 | 2,111,000 | 2,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,503,000 | 20,652,000 | 21,347,000 | 21,348,000 |