Call reports 2009
SUGAR RIVER BANK — 2009
What SUGAR RIVER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 234,506,000 | 242,709,000 | 248,310,000 | 253,683,000 |
| Total loans | 162,075,000 | 151,160,000 | 148,557,000 | 146,860,000 |
| Allowance for loan losses | 1,274,000 | 1,118,000 | 1,197,000 | 1,176,000 |
| Securities available for sale | 48,873,000 | 67,128,000 | 74,640,000 | 77,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,837,000 | 168,228,000 | 169,639,000 | 171,220,000 |
| Interest-bearing deposits | 145,098,000 | 148,757,000 | 151,867,000 | 152,688,000 |
| Noninterest-bearing deposits | 16,739,000 | 19,471,000 | 17,772,000 | 18,532,000 |
| Equity capital | 27,880,000 | 28,926,000 | 31,021,000 | 30,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,081,000 | 6,187,000 | 9,238,000 | 12,190,000 |
| Interest expense | 1,066,000 | 2,113,000 | 3,127,000 | 4,092,000 |
| Net interest income | 2,015,000 | 4,074,000 | 6,111,000 | 8,098,000 |
| Noninterest income | 481,000 | 1,327,000 | 2,078,000 | 2,707,000 |
| Noninterest expense | 2,335,000 | 4,760,000 | 7,427,000 | 9,953,000 |
| Provision for loan losses | 75,000 | 135,000 | 225,000 | 295,000 |
| Pretax income | 285,000 | 549,000 | 820,000 | 1,107,000 |
| Income tax | 35,000 | 63,000 | 78,000 | 33,000 |
| Net income | 250,000 | 486,000 | 742,000 | 1,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,435,000 | 32,004,000 | 32,379,000 | 31,658,000 |
| Total capital | 32,770,000 | 33,153,000 | 33,607,000 | 32,864,000 |
| Risk-weighted assets | 165,409,000 | 171,435,000 | 164,198,000 | 168,231,000 |