Call reports 2013
SUGAR RIVER BANK — 2013
What SUGAR RIVER BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 258,332,000 | 253,779,000 | 253,398,000 | 251,560,000 |
| Total loans | 137,562,000 | 138,215,000 | 143,884,000 | 147,707,000 |
| Allowance for loan losses | 1,502,000 | 1,430,000 | 1,438,000 | 1,580,000 |
| Securities available for sale | 85,165,000 | 81,205,000 | 84,499,000 | 73,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,766,000 | 190,692,000 | 189,286,000 | 189,097,000 |
| Interest-bearing deposits | 161,798,000 | 164,288,000 | 164,186,000 | 162,619,000 |
| Noninterest-bearing deposits | 26,968,000 | 26,404,000 | 25,100,000 | 26,478,000 |
| Equity capital | 35,645,000 | 34,044,000 | 33,997,000 | 35,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,296,000 | 4,600,000 | 6,923,000 | 9,313,000 |
| Interest expense | 535,000 | 1,045,000 | 1,485,000 | 1,916,000 |
| Net interest income | 1,761,000 | 3,555,000 | 5,438,000 | 7,397,000 |
| Noninterest income | 536,000 | 1,080,000 | 1,577,000 | 2,108,000 |
| Noninterest expense | 2,395,000 | 4,713,000 | 6,944,000 | 9,297,000 |
| Provision for loan losses | 20,000 | 30,000 | 40,000 | 245,000 |
| Pretax income | 273,000 | 553,000 | 721,000 | 868,000 |
| Income tax | 0 | 0 | 0 | -171,000 |
| Net income | 273,000 | 553,000 | 721,000 | 1,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,755,000 | 34,590,000 | 34,329,000 | 34,786,000 |
| Total capital | 35,380,000 | 36,118,000 | 35,859,000 | 36,478,000 |
| Risk-weighted assets | 176,179,000 | 179,725,000 | 186,601,000 | 180,610,000 |