Call reports 2002
SUGAR RIVER BANK — 2002
What SUGAR RIVER BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 161,880,000 | 164,115,000 | 171,366,000 | 171,353,000 |
| Total loans | 121,337,000 | 122,078,000 | 123,573,000 | 121,863,000 |
| Allowance for loan losses | 1,051,000 | 1,026,000 | 1,028,000 | 1,114,000 |
| Securities available for sale | 29,680,000 | 31,977,000 | 32,688,000 | 37,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,929,000 | 135,627,000 | 142,026,000 | 147,251,000 |
| Interest-bearing deposits | 123,604,000 | 123,270,000 | 129,382,000 | 134,285,000 |
| Noninterest-bearing deposits | 11,325,000 | 12,357,000 | 12,644,000 | 12,966,000 |
| Equity capital | 20,882,000 | 21,538,000 | 22,157,000 | 22,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,638,000 | 5,253,000 | 7,913,000 | 10,566,000 |
| Interest expense | 937,000 | 1,768,000 | 2,541,000 | 3,383,000 |
| Net interest income | 1,701,000 | 3,485,000 | 5,372,000 | 7,183,000 |
| Noninterest income | 219,000 | 455,000 | 648,000 | 1,065,000 |
| Noninterest expense | 1,196,000 | 2,514,000 | 3,813,000 | 5,279,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 120,000 |
| Pretax income | 724,000 | 1,437,000 | 2,358,000 | 3,101,000 |
| Income tax | 272,000 | 530,000 | 871,000 | 1,126,000 |
| Net income | 452,000 | 907,000 | 1,487,000 | 1,975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,775,000 | 21,230,000 | 21,803,000 | 22,284,000 |
| Total capital | 21,826,000 | 22,256,000 | 22,831,000 | 23,398,000 |
| Risk-weighted assets | 105,675,000 | 104,245,000 | 109,411,000 | 110,109,000 |