Call reports 2016
SUGAR RIVER BANK — 2016
What SUGAR RIVER BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 272,827,000 | 278,981,000 | 279,908,000 | 282,325,000 |
| Total loans | 181,533,000 | 186,046,000 | 190,788,000 | 197,802,000 |
| Allowance for loan losses | 1,687,000 | 1,724,000 | 1,752,000 | 2,085,000 |
| Securities available for sale | 52,485,000 | 46,760,000 | 47,757,000 | 46,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,731,000 | 211,238,000 | 216,804,000 | 218,712,000 |
| Interest-bearing deposits | 166,900,000 | 173,899,000 | 177,444,000 | 178,274,000 |
| Noninterest-bearing deposits | 33,831,000 | 37,339,000 | 39,360,000 | 40,438,000 |
| Equity capital | 37,394,000 | 38,033,000 | 38,277,000 | 38,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,336,000 | 4,739,000 | 7,171,000 | 9,750,000 |
| Interest expense | 312,000 | 633,000 | 904,000 | 1,162,000 |
| Net interest income | 2,024,000 | 4,106,000 | 6,267,000 | 8,588,000 |
| Noninterest income | 470,000 | 987,000 | 1,510,000 | 2,029,000 |
| Noninterest expense | 2,339,000 | 4,594,000 | 6,808,000 | 9,001,000 |
| Provision for loan losses | 85,000 | 135,000 | 185,000 | 563,000 |
| Pretax income | 264,000 | 743,000 | 1,217,000 | 1,472,000 |
| Income tax | 53,000 | 121,000 | 336,000 | 374,000 |
| Net income | 211,000 | 622,000 | 881,000 | 1,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,802,000 | 39,468,000 | 39,738,000 | 40,428,000 |
| Total capital | 40,549,000 | 41,252,000 | 41,550,000 | 42,573,000 |
| Risk-weighted assets | 189,230,000 | 179,045,000 | 175,741,000 | 180,484,000 |