Call reports 2016
SUNDOWN STATE BANK — 2016
What SUNDOWN STATE BANK 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 | 143,507,000 | 133,899,000 | 135,405,000 | 142,562,000 |
| Total loans | 76,220,000 | 82,969,000 | 88,766,000 | 80,153,000 |
| Allowance for loan losses | 893,000 | 831,000 | 753,000 | 778,000 |
| Securities available for sale | 329,000 | 329,000 | 335,000 | 327,000 |
| Securities held to maturity | 33,234,000 | 32,752,000 | 32,199,000 | 32,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,929,000 | 117,926,000 | 118,860,000 | 126,975,000 |
| Interest-bearing deposits | 80,186,000 | 75,270,000 | 75,674,000 | 73,525,000 |
| Noninterest-bearing deposits | 47,743,000 | 42,656,000 | 43,186,000 | 53,450,000 |
| Equity capital | 15,161,000 | 15,556,000 | 16,013,000 | 15,217,000 |
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 | 1,363,000 | 2,730,000 | 4,183,000 | 5,600,000 |
| Interest expense | 105,000 | 203,000 | 304,000 | 404,000 |
| Net interest income | 1,258,000 | 2,527,000 | 3,879,000 | 5,196,000 |
| Noninterest income | 275,000 | 504,000 | 822,000 | 1,077,000 |
| Noninterest expense | 1,090,000 | 2,194,000 | 3,258,000 | 4,488,000 |
| Provision for loan losses | -4,000 | -4,000 | 71,000 | 71,000 |
| Pretax income | 447,000 | 841,000 | 1,372,000 | 1,714,000 |
| Income tax | 67,000 | 67,000 | 146,000 | 238,000 |
| Net income | 380,000 | 774,000 | 1,226,000 | 1,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,161,000 | 15,556,000 | 16,013,000 | 15,217,000 |
| Total capital | 16,054,000 | 16,387,000 | 16,766,000 | 15,995,000 |
| Risk-weighted assets | 89,985,000 | 96,865,000 | 101,821,000 | 98,272,000 |