Call reports 2007
SAUK VALLEY BANK & TRUST COMPANY — 2007
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 188,147,000 | 192,584,000 | 195,491,000 | 201,199,000 |
| Total loans | 153,817,000 | 154,691,000 | 154,332,000 | 154,650,000 |
| Allowance for loan losses | 2,102,000 | 2,511,000 | 2,359,000 | 2,238,000 |
| Securities available for sale | 18,705,000 | 19,600,000 | 23,233,000 | 23,511,000 |
| Securities held to maturity | 1,226,000 | 1,226,000 | 1,226,000 | 1,041,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,910,000 | 172,234,000 | 172,092,000 | 175,550,000 |
| Interest-bearing deposits | 146,452,000 | 155,683,000 | 157,729,000 | 154,534,000 |
| Noninterest-bearing deposits | 15,458,000 | 16,551,000 | 14,364,000 | 21,016,000 |
| Equity capital | 13,704,000 | 13,863,000 | 14,162,000 | 14,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,397,000 | 6,903,000 | 10,434,000 | 13,849,000 |
| Interest expense | 1,773,000 | 3,551,000 | 5,430,000 | 7,238,000 |
| Net interest income | 1,624,000 | 3,352,000 | 5,004,000 | 6,611,000 |
| Noninterest income | 205,000 | 454,000 | 658,000 | 837,000 |
| Noninterest expense | 1,278,000 | 2,612,000 | 4,009,000 | 5,417,000 |
| Provision for loan losses | 125,000 | 251,000 | 384,000 | 1,254,000 |
| Pretax income | 426,000 | 943,000 | 1,269,000 | 792,000 |
| Income tax | 148,000 | 331,000 | 439,000 | 239,000 |
| Net income | 278,000 | 612,000 | 830,000 | 553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,792,000 | 14,076,000 | 14,243,000 | 14,367,000 |
| Total capital | 16,496,000 | 16,821,000 | 17,312,000 | 17,480,000 |
| Risk-weighted assets | 161,347,000 | 163,157,000 | 165,252,000 | 169,018,000 |