Call reports 2012
SAUK VALLEY BANK & TRUST COMPANY — 2012
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 253,011,000 | 257,670,000 | 265,863,000 | 274,116,000 |
| Total loans | 147,373,000 | 151,877,000 | 161,289,000 | 169,974,000 |
| Allowance for loan losses | 2,208,000 | 2,180,000 | 1,945,000 | 2,138,000 |
| Securities available for sale | 83,574,000 | 85,014,000 | 86,595,000 | 82,487,000 |
| Securities held to maturity | 2,972,000 | 2,972,000 | 2,971,000 | 2,971,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,547,000 | 221,755,000 | 228,381,000 | 227,116,000 |
| Interest-bearing deposits | 178,338,000 | 191,771,000 | 198,531,000 | 190,588,000 |
| Noninterest-bearing deposits | 34,209,000 | 29,984,000 | 29,850,000 | 36,528,000 |
| Equity capital | 21,312,000 | 21,835,000 | 22,549,000 | 22,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,646,000 | 5,320,000 | 8,006,000 | 10,683,000 |
| Interest expense | 448,000 | 870,000 | 1,273,000 | 1,662,000 |
| Net interest income | 2,198,000 | 4,450,000 | 6,733,000 | 9,021,000 |
| Noninterest income | 259,000 | 550,000 | 1,062,000 | 1,344,000 |
| Noninterest expense | 1,456,000 | 2,896,000 | 4,391,000 | 5,909,000 |
| Provision for loan losses | 0 | 0 | 300,000 | 500,000 |
| Pretax income | 1,018,000 | 2,151,000 | 3,137,000 | 4,000,000 |
| Income tax | 372,000 | 786,000 | 1,139,000 | 1,442,000 |
| Net income | 646,000 | 1,365,000 | 1,998,000 | 2,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,696,000 | 21,165,000 | 21,648,000 | 22,059,000 |
| Total capital | 22,788,000 | 23,319,000 | 23,593,000 | 24,197,000 |
| Risk-weighted assets | 167,352,000 | 171,682,000 | 177,409,000 | 184,573,000 |