Call reports 2002
SAUK VALLEY BANK & TRUST COMPANY — 2002
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 90,257,000 | 92,661,000 | 100,503,000 | 121,916,000 |
| Total loans | 78,531,000 | 79,516,000 | 82,476,000 | 92,775,000 |
| Allowance for loan losses | 849,000 | 892,000 | 937,000 | 1,020,000 |
| Securities available for sale | 3,883,000 | 3,690,000 | 4,080,000 | 10,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,007,000 | 84,088,000 | 91,814,000 | 110,785,000 |
| Interest-bearing deposits | 74,916,000 | 76,364,000 | 84,182,000 | 100,567,000 |
| Noninterest-bearing deposits | 7,091,000 | 7,724,000 | 7,632,000 | 10,218,000 |
| Equity capital | 7,609,000 | 7,690,000 | 7,893,000 | 8,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,410,000 | 2,860,000 | 4,361,000 | 5,958,000 |
| Interest expense | 605,000 | 1,227,000 | 1,870,000 | 2,615,000 |
| Net interest income | 805,000 | 1,633,000 | 2,491,000 | 3,343,000 |
| Noninterest income | 76,000 | 169,000 | 236,000 | 335,000 |
| Noninterest expense | 729,000 | 1,532,000 | 2,263,000 | 3,074,000 |
| Provision for loan losses | 30,000 | 75,000 | 120,000 | 225,000 |
| Pretax income | 122,000 | 195,000 | 344,000 | 388,000 |
| Income tax | -50,000 | -50,000 | -105,000 | -355,000 |
| Net income | 172,000 | 245,000 | 449,000 | 743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,592,000 | 7,664,000 | 7,868,000 | 8,163,000 |
| Total capital | 8,441,000 | 8,556,000 | 8,805,000 | 10,883,000 |
| Risk-weighted assets | 82,655,000 | 82,896,000 | 87,092,000 | 99,601,000 |