Call reports 2008
SAUK VALLEY BANK & TRUST COMPANY — 2008
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 206,567,000 | 213,289,000 | 206,950,000 | 204,134,000 |
| Total loans | 154,597,000 | 149,897,000 | 147,533,000 | 138,115,000 |
| Allowance for loan losses | 2,232,000 | 2,008,000 | 2,176,000 | 1,618,000 |
| Securities available for sale | 34,712,000 | 36,787,000 | 37,987,000 | 37,002,000 |
| Securities held to maturity | 966,000 | 966,000 | 966,000 | 772,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,031,000 | 183,280,000 | 174,387,000 | 171,170,000 |
| Interest-bearing deposits | 157,447,000 | 163,101,000 | 156,557,000 | 148,227,000 |
| Noninterest-bearing deposits | 18,584,000 | 20,179,000 | 17,830,000 | 22,943,000 |
| Equity capital | 14,765,000 | 14,551,000 | 15,077,000 | 15,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,208,000 | 6,181,000 | 9,141,000 | 11,940,000 |
| Interest expense | 1,667,000 | 3,189,000 | 4,611,000 | 5,838,000 |
| Net interest income | 1,541,000 | 2,992,000 | 4,530,000 | 6,102,000 |
| Noninterest income | 181,000 | 378,000 | 578,000 | 676,000 |
| Noninterest expense | 1,391,000 | 2,751,000 | 4,141,000 | 5,597,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 266,000 | 479,000 | 752,000 | 891,000 |
| Income tax | 96,000 | 178,000 | 284,000 | 262,000 |
| Net income | 170,000 | 301,000 | 468,000 | 629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,491,000 | 14,856,000 | 15,007,000 | 15,083,000 |
| Total capital | 17,603,000 | 17,864,000 | 18,055,000 | 17,701,000 |
| Risk-weighted assets | 169,061,000 | 167,294,000 | 163,788,000 | 153,436,000 |