Call reports 2004
SUGAR RIVER BANK — 2004
What SUGAR RIVER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 185,763,000 | 186,991,000 | 193,315,000 | 193,883,000 |
| Total loans | 125,526,000 | 127,287,000 | 133,750,000 | 138,629,000 |
| Allowance for loan losses | 1,082,000 | 1,085,000 | 1,057,000 | 1,058,000 |
| Securities available for sale | 39,490,000 | 41,864,000 | 42,309,000 | 40,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,263,000 | 158,017,000 | 158,743,000 | 154,578,000 |
| Interest-bearing deposits | 140,896,000 | 143,473,000 | 143,431,000 | 140,077,000 |
| Noninterest-bearing deposits | 15,367,000 | 14,544,000 | 15,312,000 | 14,501,000 |
| Equity capital | 24,624,000 | 24,232,000 | 25,455,000 | 25,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,389,000 | 4,736,000 | 7,173,000 | 9,664,000 |
| Interest expense | 486,000 | 948,000 | 1,400,000 | 1,855,000 |
| Net interest income | 1,903,000 | 3,788,000 | 5,773,000 | 7,809,000 |
| Noninterest income | 313,000 | 652,000 | 1,024,000 | 1,369,000 |
| Noninterest expense | 1,533,000 | 3,070,000 | 4,676,000 | 6,328,000 |
| Provision for loan losses | 10,000 | 20,000 | 20,000 | 35,000 |
| Pretax income | 702,000 | 1,423,000 | 2,177,000 | 2,899,000 |
| Income tax | 220,000 | 439,000 | 648,000 | 815,000 |
| Net income | 482,000 | 984,000 | 1,529,000 | 2,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,542,000 | 25,027,000 | 25,686,000 | 26,149,000 |
| Total capital | 25,624,000 | 26,112,000 | 26,743,000 | 27,207,000 |
| Risk-weighted assets | 114,676,000 | 117,541,000 | 122,956,000 | 128,130,000 |