Call reports 2012
SUGAR RIVER BANK — 2012
What SUGAR RIVER BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 265,470,000 | 268,952,000 | 269,682,000 | 262,251,000 |
| Total loans | 137,829,000 | 135,224,000 | 134,207,000 | 135,127,000 |
| Allowance for loan losses | 1,282,000 | 1,248,000 | 1,292,000 | 1,501,000 |
| Securities available for sale | 85,327,000 | 80,420,000 | 87,927,000 | 85,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,829,000 | 190,258,000 | 189,888,000 | 190,448,000 |
| Interest-bearing deposits | 162,011,000 | 164,648,000 | 163,342,000 | 163,909,000 |
| Noninterest-bearing deposits | 23,818,000 | 25,610,000 | 26,546,000 | 26,539,000 |
| Equity capital | 34,803,000 | 34,761,000 | 35,797,000 | 35,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,544,000 | 5,048,000 | 7,493,000 | 9,877,000 |
| Interest expense | 693,000 | 1,365,000 | 2,017,000 | 2,758,000 |
| Net interest income | 1,851,000 | 3,683,000 | 5,476,000 | 7,119,000 |
| Noninterest income | 469,000 | 1,058,000 | 1,500,000 | 2,113,000 |
| Noninterest expense | 2,750,000 | 5,034,000 | 7,187,000 | 9,695,000 |
| Provision for loan losses | 50,000 | 75,000 | 110,000 | 370,000 |
| Pretax income | 283,000 | 876,000 | 1,210,000 | 1,267,000 |
| Income tax | 0 | 40,000 | 61,000 | -69,000 |
| Net income | 283,000 | 836,000 | 1,149,000 | 1,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,467,000 | 33,727,000 | 34,036,000 | 34,011,000 |
| Total capital | 34,815,000 | 35,049,000 | 35,425,000 | 35,628,000 |
| Risk-weighted assets | 175,912,000 | 171,535,000 | 174,528,000 | 173,946,000 |