Call reports 2015
SOUND BANKING COMPANY — 2015
What SOUND BANKING COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 51,787,000 | 53,273,000 | 48,721,000 | 47,328,000 |
| Total loans | 37,431,000 | 36,019,000 | 37,429,000 | 37,923,000 |
| Allowance for loan losses | 449,000 | 444,000 | 447,000 | 462,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,937,000 | 48,298,000 | 42,646,000 | 42,277,000 |
| Interest-bearing deposits | 29,257,000 | 27,653,000 | 25,220,000 | 28,261,000 |
| Noninterest-bearing deposits | 16,680,000 | 20,645,000 | 17,426,000 | 14,016,000 |
| Equity capital | 4,966,000 | 4,595,000 | 4,862,000 | 4,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 555,000 | 1,126,000 | 1,705,000 | 2,315,000 |
| Interest expense | 28,000 | 52,000 | 75,000 | 98,000 |
| Net interest income | 527,000 | 1,074,000 | 1,630,000 | 2,217,000 |
| Noninterest income | 49,000 | 98,000 | 141,000 | 197,000 |
| Noninterest expense | 350,000 | 749,000 | 1,081,000 | 1,643,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 226,000 | 423,000 | 690,000 | 771,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 226,000 | 423,000 | 690,000 | 771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,966,000 | 4,595,000 | 4,862,000 | 4,717,000 |
| Total capital | 5,389,000 | 5,008,000 | 5,285,000 | 5,160,000 |
| Risk-weighted assets | 33,783,000 | 32,945,000 | 33,818,000 | 35,403,000 |