Call reports 2007
SUGAR RIVER BANK — 2007
What SUGAR RIVER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 217,051,000 | 218,175,000 | 214,168,000 | 217,409,000 |
| Total loans | 170,749,000 | 167,606,000 | 170,529,000 | 170,602,000 |
| Allowance for loan losses | 1,257,000 | 1,279,000 | 1,259,000 | 1,234,000 |
| Securities available for sale | 26,706,000 | 25,996,000 | 26,363,000 | 27,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,679,000 | 151,583,000 | 149,728,000 | 153,805,000 |
| Interest-bearing deposits | 131,283,000 | 134,976,000 | 133,797,000 | 138,325,000 |
| Noninterest-bearing deposits | 17,396,000 | 16,607,000 | 15,931,000 | 15,480,000 |
| Equity capital | 28,856,000 | 28,940,000 | 29,541,000 | 30,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,036,000 | 6,086,000 | 9,153,000 | 12,225,000 |
| Interest expense | 1,237,000 | 2,502,000 | 3,782,000 | 5,108,000 |
| Net interest income | 1,799,000 | 3,584,000 | 5,371,000 | 7,117,000 |
| Noninterest income | 489,000 | 1,054,000 | 1,623,000 | 2,143,000 |
| Noninterest expense | 1,962,000 | 3,929,000 | 5,887,000 | 7,796,000 |
| Provision for loan losses | 3,000 | 56,000 | 71,000 | 106,000 |
| Pretax income | 326,000 | 656,000 | 1,039,000 | 1,360,000 |
| Income tax | 6,000 | 7,000 | 35,000 | 39,000 |
| Net income | 320,000 | 649,000 | 1,004,000 | 1,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,273,000 | 29,605,000 | 29,960,000 | 30,523,000 |
| Total capital | 30,530,000 | 30,884,000 | 31,219,000 | 31,796,000 |
| Risk-weighted assets | 141,009,000 | 138,651,000 | 138,438,000 | 139,196,000 |