Call reports 2015
SONATA BANK — 2015
What SONATA BANK 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 | 23,327,000 | 22,681,000 | 22,862,000 | 21,815,000 |
| Total loans | 12,770,000 | 12,742,000 | 12,815,000 | 12,898,000 |
| Allowance for loan losses | 222,000 | 224,000 | 225,000 | 213,000 |
| Securities available for sale | 4,553,000 | 4,293,000 | 4,061,000 | 3,048,000 |
| Securities held to maturity | 20,000 | 20,000 | 20,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,077,000 | 19,434,000 | 19,643,000 | 18,659,000 |
| Interest-bearing deposits | 15,535,000 | 14,880,000 | 14,776,000 | 14,600,000 |
| Noninterest-bearing deposits | 4,542,000 | 4,554,000 | 4,867,000 | 4,059,000 |
| Equity capital | 2,702,000 | 2,685,000 | 2,679,000 | 2,676,000 |
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 | 200,000 | 406,000 | 609,000 | 809,000 |
| Interest expense | 38,000 | 76,000 | 113,000 | 150,000 |
| Net interest income | 162,000 | 330,000 | 496,000 | 659,000 |
| Noninterest income | 23,000 | 54,000 | 83,000 | 109,000 |
| Noninterest expense | 209,000 | 414,000 | 626,000 | 853,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -24,000 | -30,000 | -47,000 | -85,000 |
| Income tax | -1,000 | -3,000 | -4,000 | -49,000 |
| Net income | -23,000 | -27,000 | -43,000 | -36,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,742,000 | 2,508,000 | 2,683,000 | 2,498,000 |
| Total capital | 2,889,000 | 2,653,000 | 2,832,000 | 2,648,000 |
| Risk-weighted assets | 11,698,000 | 11,525,000 | 11,861,000 | 11,826,000 |