Call reports 2008
SUGAR RIVER BANK — 2008
What SUGAR RIVER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 228,188,000 | 229,381,000 | 227,856,000 | 234,232,000 |
| Total loans | 167,100,000 | 164,175,000 | 166,655,000 | 164,671,000 |
| Allowance for loan losses | 1,188,000 | 1,181,000 | 1,199,000 | 1,280,000 |
| Securities available for sale | 35,833,000 | 38,081,000 | 39,473,000 | 42,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,506,000 | 162,327,000 | 158,661,000 | 157,251,000 |
| Interest-bearing deposits | 141,037,000 | 143,719,000 | 141,493,000 | 140,214,000 |
| Noninterest-bearing deposits | 15,469,000 | 18,608,000 | 17,168,000 | 17,037,000 |
| Equity capital | 30,160,000 | 29,392,000 | 28,002,000 | 28,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,091,000 | 6,245,000 | 9,458,000 | 12,652,000 |
| Interest expense | 1,336,000 | 2,586,000 | 3,776,000 | 4,894,000 |
| Net interest income | 1,755,000 | 3,659,000 | 5,682,000 | 7,758,000 |
| Noninterest income | 514,000 | 1,106,000 | 1,693,000 | 2,165,000 |
| Noninterest expense | 1,975,000 | 4,113,000 | 6,233,000 | 8,355,000 |
| Provision for loan losses | 40,000 | 70,000 | 115,000 | 265,000 |
| Pretax income | 298,000 | 627,000 | 841,000 | 1,185,000 |
| Income tax | 45,000 | 104,000 | 162,000 | 111,000 |
| Net income | 253,000 | 523,000 | 679,000 | 1,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,532,000 | 30,352,000 | 30,508,000 | 30,907,000 |
| Total capital | 31,780,000 | 31,533,000 | 31,772,000 | 32,263,000 |
| Risk-weighted assets | 150,844,000 | 152,572,000 | 156,981,000 | 161,357,000 |