Call reports 2004
SAUK VALLEY BANK & TRUST COMPANY — 2004
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 150,971,000 | 159,025,000 | 167,007,000 | 172,018,000 |
| Total loans | 120,623,000 | 129,075,000 | 133,996,000 | 137,640,000 |
| Allowance for loan losses | 1,174,000 | 1,194,000 | 1,292,000 | 1,687,000 |
| Securities available for sale | 15,781,000 | 16,295,000 | 19,140,000 | 18,733,000 |
| Securities held to maturity | 0 | 0 | 100,000 | 325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,553,000 | 141,323,000 | 148,425,000 | 153,912,000 |
| Interest-bearing deposits | 119,069,000 | 127,613,000 | 134,326,000 | 134,763,000 |
| Noninterest-bearing deposits | 13,484,000 | 13,710,000 | 14,099,000 | 19,149,000 |
| Equity capital | 10,426,000 | 11,229,000 | 11,897,000 | 11,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,910,000 | 4,063,000 | 6,346,000 | 8,738,000 |
| Interest expense | 646,000 | 1,356,000 | 2,123,000 | 2,946,000 |
| Net interest income | 1,264,000 | 2,707,000 | 4,223,000 | 5,792,000 |
| Noninterest income | 113,000 | 251,000 | 427,000 | 544,000 |
| Noninterest expense | 960,000 | 1,953,000 | 3,027,000 | 4,140,000 |
| Provision for loan losses | 70,000 | 200,000 | 345,000 | 930,000 |
| Pretax income | 347,000 | 805,000 | 1,278,000 | 1,266,000 |
| Income tax | 130,000 | 307,000 | 488,000 | 479,000 |
| Net income | 217,000 | 498,000 | 790,000 | 787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,382,000 | 11,412,000 | 11,953,000 | 11,860,000 |
| Total capital | 13,256,000 | 14,306,000 | 14,945,000 | 14,507,000 |
| Risk-weighted assets | 124,816,000 | 132,265,000 | 136,775,000 | 140,017,000 |