Call reports 2015
SUGAR RIVER BANK — 2015
What SUGAR RIVER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 257,474,000 | 259,992,000 | 259,263,000 | 264,393,000 |
| Total loans | 159,500,000 | 164,959,000 | 171,292,000 | 175,218,000 |
| Allowance for loan losses | 1,469,000 | 1,501,000 | 1,572,000 | 1,632,000 |
| Securities available for sale | 62,409,000 | 56,181,000 | 52,788,000 | 50,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,529,000 | 198,333,000 | 197,076,000 | 197,977,000 |
| Interest-bearing deposits | 166,311,000 | 166,665,000 | 163,414,000 | 162,956,000 |
| Noninterest-bearing deposits | 30,218,000 | 31,668,000 | 33,662,000 | 35,021,000 |
| Equity capital | 37,086,000 | 36,620,000 | 36,822,000 | 36,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,176,000 | 4,447,000 | 6,683,000 | 9,023,000 |
| Interest expense | 298,000 | 591,000 | 882,000 | 1,180,000 |
| Net interest income | 1,878,000 | 3,856,000 | 5,801,000 | 7,843,000 |
| Noninterest income | 482,000 | 971,000 | 1,489,000 | 1,965,000 |
| Noninterest expense | 2,347,000 | 4,770,000 | 7,181,000 | 9,421,000 |
| Provision for loan losses | 94,000 | 159,000 | 234,000 | 289,000 |
| Pretax income | 140,000 | 270,000 | 315,000 | 642,000 |
| Income tax | -55,000 | -33,000 | -66,000 | -7,000 |
| Net income | 195,000 | 303,000 | 381,000 | 649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,533,000 | 38,597,000 | 38,696,000 | 39,026,000 |
| Total capital | 39,066,000 | 40,160,000 | 40,327,000 | 40,718,000 |
| Risk-weighted assets | 196,504,000 | 193,408,000 | 199,640,000 | 175,249,000 |