Call reports 2005
SUGAR RIVER BANK — 2005
What SUGAR RIVER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 198,968,000 | 197,042,000 | 197,991,000 | 204,672,000 |
| Total loans | 143,209,000 | 147,971,000 | 151,647,000 | 155,488,000 |
| Allowance for loan losses | 1,053,000 | 1,054,000 | 1,040,000 | 1,103,000 |
| Securities available for sale | 37,966,000 | 31,995,000 | 29,833,000 | 31,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,952,000 | 152,710,000 | 156,986,000 | 151,553,000 |
| Interest-bearing deposits | 139,713,000 | 135,670,000 | 138,657,000 | 135,018,000 |
| Noninterest-bearing deposits | 15,239,000 | 17,040,000 | 18,329,000 | 16,535,000 |
| Equity capital | 25,995,000 | 26,883,000 | 27,138,000 | 27,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,450,000 | 5,031,000 | 7,646,000 | 10,336,000 |
| Interest expense | 488,000 | 1,001,000 | 1,608,000 | 2,265,000 |
| Net interest income | 1,962,000 | 4,030,000 | 6,038,000 | 8,071,000 |
| Noninterest income | 397,000 | 813,000 | 1,192,000 | 1,580,000 |
| Noninterest expense | 1,641,000 | 3,425,000 | 5,200,000 | 7,019,000 |
| Provision for loan losses | 0 | 20,000 | 35,000 | 110,000 |
| Pretax income | 734,000 | 1,422,000 | 2,025,000 | 2,552,000 |
| Income tax | 168,000 | 323,000 | 435,000 | 519,000 |
| Net income | 566,000 | 1,099,000 | 1,590,000 | 2,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,598,000 | 27,115,000 | 27,606,000 | 28,052,000 |
| Total capital | 27,651,000 | 28,169,000 | 28,646,000 | 29,155,000 |
| Risk-weighted assets | 131,365,000 | 129,031,000 | 129,572,000 | 135,538,000 |