Call reports 2008
SUTTER COMMUNITY BANK — 2008
What SUTTER COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 45,934,000 | 52,557,000 | 54,971,000 | 57,719,000 |
| Total loans | 36,014,000 | 38,994,000 | 39,865,000 | 45,202,000 |
| Allowance for loan losses | 469,000 | 456,000 | 462,000 | 543,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,959,000 | 44,717,000 | 47,413,000 | 50,745,000 |
| Interest-bearing deposits | 33,683,000 | 40,264,000 | 43,343,000 | 45,501,000 |
| Noninterest-bearing deposits | 4,275,000 | 4,453,000 | 4,070,000 | 5,243,000 |
| Equity capital | 7,400,000 | 7,184,000 | 7,074,000 | 6,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 789,000 | 1,547,000 | 2,348,000 | 3,180,000 |
| Interest expense | 326,000 | 682,000 | 1,039,000 | 1,378,000 |
| Net interest income | 463,000 | 865,000 | 1,309,000 | 1,802,000 |
| Noninterest income | 270,000 | 364,000 | 438,000 | 10,000 |
| Noninterest expense | 674,000 | 1,385,000 | 2,075,000 | 2,712,000 |
| Provision for loan losses | 34,000 | 102,000 | 108,000 | 189,000 |
| Pretax income | 25,000 | -258,000 | -436,000 | -1,089,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 25,000 | -259,000 | -437,000 | -1,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,400,000 | 7,184,000 | 7,074,000 | 6,470,000 |
| Total capital | 7,875,000 | 7,646,000 | 7,542,000 | 7,020,000 |
| Risk-weighted assets | 40,483,000 | 45,283,000 | 46,546,000 | 51,483,000 |