Call reports 2010
SUGAR RIVER BANK — 2010
What SUGAR RIVER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 247,921,000 | 257,450,000 | 255,555,000 | 255,753,000 |
| Total loans | 143,805,000 | 141,131,000 | 139,721,000 | 139,924,000 |
| Allowance for loan losses | 1,225,000 | 1,157,000 | 1,190,000 | 1,187,000 |
| Securities available for sale | 76,382,000 | 82,050,000 | 83,090,000 | 85,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,839,000 | 177,448,000 | 177,967,000 | 180,459,000 |
| Interest-bearing deposits | 151,680,000 | 156,977,000 | 157,989,000 | 159,181,000 |
| Noninterest-bearing deposits | 18,159,000 | 20,471,000 | 19,978,000 | 21,278,000 |
| Equity capital | 31,653,000 | 32,871,000 | 33,901,000 | 31,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,870,000 | 5,732,000 | 8,565,000 | 11,403,000 |
| Interest expense | 873,000 | 1,727,000 | 2,571,000 | 3,365,000 |
| Net interest income | 1,997,000 | 4,005,000 | 5,994,000 | 8,038,000 |
| Noninterest income | 533,000 | 1,102,000 | 1,637,000 | 2,231,000 |
| Noninterest expense | 2,407,000 | 4,730,000 | 7,054,000 | 9,614,000 |
| Provision for loan losses | 85,000 | 175,000 | 285,000 | 515,000 |
| Pretax income | 289,000 | 604,000 | 1,133,000 | 1,193,000 |
| Income tax | 15,000 | 30,000 | 0 | 86,000 |
| Net income | 274,000 | 574,000 | 1,133,000 | 1,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,959,000 | 32,204,000 | 32,639,000 | 31,472,000 |
| Total capital | 33,223,000 | 33,391,000 | 33,875,000 | 32,721,000 |
| Risk-weighted assets | 168,381,000 | 169,246,000 | 171,479,000 | 170,794,000 |