Call reports 2005
SAUK VALLEY BANK & TRUST COMPANY — 2005
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 168,087,000 | 171,128,000 | 175,914,000 | 176,125,000 |
| Total loans | 136,010,000 | 137,618,000 | 143,517,000 | 142,655,000 |
| Allowance for loan losses | 1,729,000 | 1,735,000 | 1,954,000 | 1,797,000 |
| Securities available for sale | 17,607,000 | 16,290,000 | 15,192,000 | 14,188,000 |
| Securities held to maturity | 1,380,000 | 1,537,000 | 1,842,000 | 1,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,788,000 | 151,459,000 | 155,026,000 | 157,022,000 |
| Interest-bearing deposits | 133,500,000 | 135,918,000 | 140,081,000 | 139,190,000 |
| Noninterest-bearing deposits | 16,288,000 | 15,541,000 | 14,945,000 | 17,832,000 |
| Equity capital | 12,008,000 | 12,292,000 | 12,563,000 | 12,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,437,000 | 4,976,000 | 7,720,000 | 10,551,000 |
| Interest expense | 886,000 | 1,821,000 | 2,909,000 | 4,141,000 |
| Net interest income | 1,551,000 | 3,155,000 | 4,811,000 | 6,410,000 |
| Noninterest income | 158,000 | 332,000 | 550,000 | 727,000 |
| Noninterest expense | 1,145,000 | 2,323,000 | 3,501,000 | 4,694,000 |
| Provision for loan losses | 70,000 | 285,000 | 510,000 | 1,200,000 |
| Pretax income | 494,000 | 879,000 | 1,350,000 | 1,243,000 |
| Income tax | 170,000 | 317,000 | 501,000 | 476,000 |
| Net income | 324,000 | 562,000 | 849,000 | 767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,184,000 | 12,422,000 | 12,708,000 | 12,470,000 |
| Total capital | 14,873,000 | 15,117,000 | 15,223,000 | 14,967,000 |
| Risk-weighted assets | 138,080,000 | 139,293,000 | 145,053,000 | 143,957,000 |
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