Call reports 2013
SAUK VALLEY BANK & TRUST COMPANY — 2013
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 269,006,000 | 286,578,000 | 282,655,000 | 293,623,000 |
| Total loans | 159,162,000 | 172,215,000 | 175,982,000 | 185,704,000 |
| Allowance for loan losses | 2,134,000 | 2,262,000 | 2,392,000 | 2,023,000 |
| Securities available for sale | 92,607,000 | 94,071,000 | 86,352,000 | 87,176,000 |
| Securities held to maturity | 2,970,000 | 2,970,000 | 2,969,000 | 1,693,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,185,000 | 238,419,000 | 252,160,000 | 245,430,000 |
| Interest-bearing deposits | 191,431,000 | 205,737,000 | 221,420,000 | 208,072,000 |
| Noninterest-bearing deposits | 33,754,000 | 32,682,000 | 30,741,000 | 37,359,000 |
| Equity capital | 23,189,000 | 22,717,000 | 22,873,000 | 23,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,573,000 | 5,149,000 | 7,840,000 | 10,466,000 |
| Interest expense | 329,000 | 657,000 | 975,000 | 1,307,000 |
| Net interest income | 2,244,000 | 4,492,000 | 6,865,000 | 9,159,000 |
| Noninterest income | 405,000 | 794,000 | 1,115,000 | 1,290,000 |
| Noninterest expense | 1,562,000 | 3,107,000 | 4,782,000 | 6,518,000 |
| Provision for loan losses | 0 | 125,000 | 250,000 | 375,000 |
| Pretax income | 1,079,000 | 2,052,000 | 2,948,000 | 3,556,000 |
| Income tax | 386,000 | 722,000 | 1,023,000 | 1,200,000 |
| Net income | 693,000 | 1,330,000 | 1,925,000 | 2,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,492,000 | 22,979,000 | 23,424,000 | 23,705,000 |
| Total capital | 24,626,000 | 25,242,000 | 25,816,000 | 25,728,000 |
| Risk-weighted assets | 177,484,000 | 190,942,000 | 194,453,000 | 201,676,000 |