Call reports 2014
SAUK VALLEY BANK & TRUST COMPANY — 2014
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 288,112,000 | 299,233,000 | 310,561,000 | 307,402,000 |
| Total loans | 190,310,000 | 194,731,000 | 207,548,000 | 210,825,000 |
| Allowance for loan losses | 2,197,000 | 2,212,000 | 2,303,000 | 2,270,000 |
| Securities available for sale | 78,885,000 | 79,372,000 | 78,021,000 | 75,964,000 |
| Securities held to maturity | 1,693,000 | 1,692,000 | 1,692,000 | 1,691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,457,000 | 267,485,000 | 274,881,000 | 265,828,000 |
| Interest-bearing deposits | 212,863,000 | 227,531,000 | 231,015,000 | 216,769,000 |
| Noninterest-bearing deposits | 33,594,000 | 39,954,000 | 43,867,000 | 49,059,000 |
| Equity capital | 23,266,000 | 24,098,000 | 25,738,000 | 26,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,695,000 | 5,483,000 | 8,397,000 | 11,335,000 |
| Interest expense | 326,000 | 650,000 | 978,000 | 1,282,000 |
| Net interest income | 2,369,000 | 4,833,000 | 7,419,000 | 10,053,000 |
| Noninterest income | 235,000 | 456,000 | 792,000 | 1,114,000 |
| Noninterest expense | 1,864,000 | 3,782,000 | 5,702,000 | 7,857,000 |
| Provision for loan losses | 175,000 | 175,000 | 275,000 | 325,000 |
| Pretax income | 561,000 | 1,355,000 | 2,258,000 | 3,009,000 |
| Income tax | 163,000 | 421,000 | 725,000 | 965,000 |
| Net income | 398,000 | 934,000 | 1,533,000 | 2,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,549,000 | 23,936,000 | 25,535,000 | 25,906,000 |
| Total capital | 25,745,000 | 26,149,000 | 27,838,000 | 28,176,000 |
| Risk-weighted assets | 203,350,000 | 211,269,000 | 224,028,000 | 227,084,000 |
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