Call reports 2011
SUGAR RIVER BANK — 2011
What SUGAR RIVER BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 252,005,000 | 255,880,000 | 264,294,000 | 265,267,000 |
| Total loans | 139,350,000 | 139,787,000 | 138,151,000 | 137,373,000 |
| Allowance for loan losses | 1,134,000 | 1,177,000 | 1,277,000 | 1,299,000 |
| Securities available for sale | 77,406,000 | 78,085,000 | 84,040,000 | 87,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,898,000 | 180,637,000 | 183,868,000 | 186,219,000 |
| Interest-bearing deposits | 158,822,000 | 160,327,000 | 161,619,000 | 163,397,000 |
| Noninterest-bearing deposits | 20,076,000 | 20,310,000 | 22,249,000 | 22,822,000 |
| Equity capital | 32,215,000 | 33,212,000 | 33,954,000 | 34,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,749,000 | 5,491,000 | 8,143,000 | 10,742,000 |
| Interest expense | 732,000 | 1,463,000 | 2,201,000 | 2,934,000 |
| Net interest income | 2,017,000 | 4,028,000 | 5,942,000 | 7,808,000 |
| Noninterest income | 489,000 | 1,021,000 | 1,430,000 | 1,891,000 |
| Noninterest expense | 2,267,000 | 4,515,000 | 6,952,000 | 9,304,000 |
| Provision for loan losses | 60,000 | 145,000 | 320,000 | 510,000 |
| Pretax income | 471,000 | 894,000 | 1,191,000 | 1,155,000 |
| Income tax | 112,000 | 195,000 | 203,000 | -5,000 |
| Net income | 359,000 | 699,000 | 988,000 | 1,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,428,000 | 32,671,000 | 33,006,000 | 33,181,000 |
| Total capital | 33,646,000 | 33,916,000 | 34,313,000 | 34,510,000 |
| Risk-weighted assets | 168,101,000 | 169,789,000 | 168,246,000 | 174,894,000 |