Call reports 2006
SUGAR RIVER BANK — 2006
What SUGAR RIVER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 201,573,000 | 208,397,000 | 238,964,000 | 221,674,000 |
| Total loans | 157,320,000 | 162,185,000 | 170,071,000 | 168,555,000 |
| Allowance for loan losses | 1,119,000 | 1,136,000 | 1,188,000 | 1,262,000 |
| Securities available for sale | 28,653,000 | 28,329,000 | 27,832,000 | 27,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,294,000 | 147,038,000 | 173,292,000 | 148,807,000 |
| Interest-bearing deposits | 133,822,000 | 129,237,000 | 131,548,000 | 132,961,000 |
| Noninterest-bearing deposits | 18,472,000 | 17,801,000 | 41,744,000 | 15,846,000 |
| Equity capital | 27,628,000 | 27,891,000 | 28,663,000 | 28,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,688,000 | 5,480,000 | 8,445,000 | 11,497,000 |
| Interest expense | 759,000 | 1,648,000 | 2,730,000 | 3,982,000 |
| Net interest income | 1,929,000 | 3,832,000 | 5,715,000 | 7,515,000 |
| Noninterest income | 391,000 | 837,000 | 1,282,000 | 1,765,000 |
| Noninterest expense | 1,755,000 | 3,561,000 | 5,421,000 | 7,852,000 |
| Provision for loan losses | 35,000 | 60,000 | 175,000 | 270,000 |
| Pretax income | 541,000 | 1,059,000 | 1,434,000 | 1,192,000 |
| Income tax | 80,000 | 161,000 | 202,000 | -94,000 |
| Net income | 461,000 | 898,000 | 1,232,000 | 1,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,406,000 | 28,844,000 | 29,179,000 | 28,954,000 |
| Total capital | 29,525,000 | 29,980,000 | 30,367,000 | 30,216,000 |
| Risk-weighted assets | 134,311,000 | 138,435,000 | 147,495,000 | 141,641,000 |