Call reports 2025
SUGAR RIVER BANK — 2025
What SUGAR RIVER BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 400,477,000 | 404,550,000 | 402,499,000 | 416,061,000 |
| Total loans | 276,712,000 | 278,901,000 | 279,685,000 | 288,972,000 |
| Allowance for loan losses | 2,314,000 | 2,430,000 | 2,078,000 | 1,605,000 |
| Securities available for sale | 79,678,000 | 78,517,000 | 78,323,000 | 77,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,672,000 | 343,782,000 | 344,138,000 | 354,471,000 |
| Interest-bearing deposits | 266,621,000 | 269,503,000 | 266,887,000 | 278,589,000 |
| Noninterest-bearing deposits | 74,051,000 | 74,279,000 | 77,251,000 | 75,882,000 |
| Equity capital | 43,552,000 | 44,056,000 | 45,999,000 | 47,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,357,000 | 8,772,000 | 13,273,000 | 17,932,000 |
| Interest expense | 1,137,000 | 2,279,000 | 3,447,000 | 4,586,000 |
| Net interest income | 3,220,000 | 6,493,000 | 9,826,000 | 13,346,000 |
| Noninterest income | 455,000 | 938,000 | 1,463,000 | 1,972,000 |
| Noninterest expense | 2,933,000 | 5,840,000 | 8,796,000 | 11,885,000 |
| Provision for loan losses | 90,000 | 349,000 | 459,000 | 540,000 |
| Pretax income | 651,000 | 1,243,000 | 2,035,000 | 2,891,000 |
| Income tax | 113,000 | 207,000 | 355,000 | 525,000 |
| Net income | 538,000 | 1,036,000 | 1,680,000 | 2,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,936,000 | 56,434,000 | 57,079,000 | 57,763,000 |