Call reports 2003
SAUK VALLEY BANK & TRUST COMPANY — 2003
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 125,272,000 | 128,644,000 | 129,661,000 | 133,957,000 |
| Total loans | 102,466,000 | 106,771,000 | 109,249,000 | 108,848,000 |
| Allowance for loan losses | 1,064,000 | 1,121,000 | 1,180,000 | 1,148,000 |
| Securities available for sale | 8,382,000 | 7,385,000 | 7,361,000 | 9,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,756,000 | 116,934,000 | 117,895,000 | 120,535,000 |
| Interest-bearing deposits | 101,570,000 | 105,891,000 | 107,689,000 | 106,028,000 |
| Noninterest-bearing deposits | 11,186,000 | 11,043,000 | 10,206,000 | 14,507,000 |
| Equity capital | 8,379,000 | 8,495,000 | 8,561,000 | 9,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,700,000 | 3,495,000 | 5,260,000 | 7,152,000 |
| Interest expense | 724,000 | 1,431,000 | 2,117,000 | 2,769,000 |
| Net interest income | 976,000 | 2,064,000 | 3,143,000 | 4,383,000 |
| Noninterest income | 114,000 | 239,000 | 402,000 | 403,000 |
| Noninterest expense | 804,000 | 1,658,000 | 2,566,000 | 3,505,000 |
| Provision for loan losses | 75,000 | 210,000 | 430,000 | 555,000 |
| Pretax income | 211,000 | 435,000 | 549,000 | 726,000 |
| Income tax | 24,000 | 113,000 | 151,000 | 224,000 |
| Net income | 187,000 | 322,000 | 398,000 | 502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,349,000 | 8,485,000 | 8,561,000 | 9,664,000 |
| Total capital | 11,113,000 | 11,306,000 | 11,441,000 | 12,512,000 |
| Risk-weighted assets | 105,914,000 | 109,486,000 | 112,161,000 | 112,819,000 |