Call reports 2003
SUGAR RIVER BANK — 2003
What SUGAR RIVER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 190,694,000 | 182,291,000 | 184,532,000 | 182,745,000 |
| Total loans | 121,571,000 | 121,601,000 | 123,139,000 | 124,702,000 |
| Allowance for loan losses | 1,096,000 | 1,131,000 | 1,183,000 | 1,077,000 |
| Securities available for sale | 39,294,000 | 41,447,000 | 45,301,000 | 43,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,263,000 | 156,448,000 | 158,391,000 | 156,621,000 |
| Interest-bearing deposits | 152,224,000 | 138,953,000 | 141,326,000 | 139,627,000 |
| Noninterest-bearing deposits | 13,039,000 | 17,495,000 | 17,065,000 | 16,994,000 |
| Equity capital | 22,844,000 | 23,371,000 | 23,605,000 | 23,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,532,000 | 5,004,000 | 7,439,000 | 9,900,000 |
| Interest expense | 602,000 | 1,188,000 | 1,741,000 | 2,253,000 |
| Net interest income | 1,930,000 | 3,816,000 | 5,698,000 | 7,647,000 |
| Noninterest income | 358,000 | 778,000 | 1,122,000 | 1,480,000 |
| Noninterest expense | 1,407,000 | 3,014,000 | 4,521,000 | 5,969,000 |
| Provision for loan losses | 10,000 | 60,000 | 120,000 | 260,000 |
| Pretax income | 871,000 | 1,605,000 | 2,318,000 | 3,040,000 |
| Income tax | 308,000 | 552,000 | 782,000 | 1,012,000 |
| Net income | 563,000 | 1,053,000 | 1,536,000 | 2,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,750,000 | 23,107,000 | 23,587,000 | 24,077,000 |
| Total capital | 23,846,000 | 24,238,000 | 24,770,000 | 25,154,000 |
| Risk-weighted assets | 114,067,000 | 113,109,000 | 113,607,000 | 113,579,000 |