Call reports 2011
SAUK VALLEY BANK & TRUST COMPANY — 2011
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 220,068,000 | 234,113,000 | 245,173,000 | 242,066,000 |
| Total loans | 139,628,000 | 143,639,000 | 154,788,000 | 149,871,000 |
| Allowance for loan losses | 2,255,000 | 2,142,000 | 2,231,000 | 2,284,000 |
| Securities available for sale | 52,797,000 | 55,471,000 | 68,710,000 | 71,104,000 |
| Securities held to maturity | 1,699,000 | 1,699,000 | 1,698,000 | 2,973,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,098,000 | 201,402,000 | 206,641,000 | 201,970,000 |
| Interest-bearing deposits | 159,043,000 | 175,565,000 | 177,463,000 | 169,172,000 |
| Noninterest-bearing deposits | 27,056,000 | 25,837,000 | 29,177,000 | 32,798,000 |
| Equity capital | 19,510,000 | 20,088,000 | 20,716,000 | 21,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,582,000 | 5,205,000 | 8,007,000 | 10,690,000 |
| Interest expense | 501,000 | 994,000 | 1,509,000 | 1,989,000 |
| Net interest income | 2,081,000 | 4,211,000 | 6,498,000 | 8,701,000 |
| Noninterest income | 11,000 | 339,000 | 611,000 | 917,000 |
| Noninterest expense | 1,283,000 | 2,806,000 | 4,240,000 | 5,784,000 |
| Provision for loan losses | 0 | 0 | 125,000 | 175,000 |
| Pretax income | 809,000 | 1,673,000 | 2,681,000 | 3,577,000 |
| Income tax | 277,000 | 602,000 | 969,000 | 1,288,000 |
| Net income | 532,000 | 1,071,000 | 1,712,000 | 2,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,182,000 | 19,463,000 | 20,049,000 | 20,476,000 |
| Total capital | 21,936,000 | 22,301,000 | 23,002,000 | 22,591,000 |
| Risk-weighted assets | 156,350,000 | 163,085,000 | 172,245,000 | 169,188,000 |