Call reports 2025
SUNDOWN STATE BANK — 2025
What SUNDOWN STATE BANK 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 | 271,804,000 | 286,667,000 | 302,505,000 | 308,021,000 |
| Total loans | 206,342,000 | 205,920,000 | 202,240,000 | 202,314,000 |
| Allowance for loan losses | 1,695,000 | 1,722,000 | 1,694,000 | 1,683,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,022,000 | 12,296,000 | 14,803,000 | 14,810,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,742,000 | 254,190,000 | 268,000,000 | 273,619,000 |
| Interest-bearing deposits | 168,474,000 | 180,924,000 | 193,448,000 | 192,729,000 |
| Noninterest-bearing deposits | 72,268,000 | 73,266,000 | 74,552,000 | 80,890,000 |
| Equity capital | 29,735,000 | 31,158,000 | 32,771,000 | 33,528,000 |
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 | 4,168,000 | 8,433,000 | 13,198,000 | 17,765,000 |
| Interest expense | 1,258,000 | 2,518,000 | 3,828,000 | 5,146,000 |
| Net interest income | 2,910,000 | 5,915,000 | 9,370,000 | 12,619,000 |
| Noninterest income | 304,000 | 766,000 | 1,097,000 | 2,096,000 |
| Noninterest expense | 1,586,000 | 3,238,000 | 4,963,000 | 6,726,000 |
| Provision for loan losses | -17,000 | 10,000 | -18,000 | -28,000 |
| Pretax income | 1,598,000 | 3,403,000 | 5,464,000 | 7,924,000 |
| Income tax | 339,000 | 721,000 | 1,169,000 | 1,690,000 |
| Net income | 1,259,000 | 2,682,000 | 4,295,000 | 6,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,735,000 | 31,158,000 | 32,771,000 | 33,528,000 |
| Total capital | 31,707,000 | 33,140,000 | 34,753,000 | 35,535,000 |
| Risk-weighted assets | 229,511,000 | 238,058,000 | 236,199,000 | 245,437,000 |