Call reports 2015
SAUK VALLEY BANK & TRUST COMPANY — 2015
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 309,448,000 | 326,528,000 | 323,704,000 | 334,318,000 |
| Total loans | 206,427,000 | 218,416,000 | 219,245,000 | 234,188,000 |
| Allowance for loan losses | 2,531,000 | 2,530,000 | 2,515,000 | 2,600,000 |
| Securities available for sale | 81,723,000 | 86,812,000 | 77,535,000 | 77,177,000 |
| Securities held to maturity | 1,690,000 | 1,690,000 | 2,689,000 | 2,688,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,125,000 | 285,032,000 | 286,127,000 | 281,438,000 |
| Interest-bearing deposits | 223,723,000 | 244,069,000 | 243,447,000 | 232,337,000 |
| Noninterest-bearing deposits | 44,402,000 | 40,963,000 | 42,681,000 | 49,101,000 |
| Equity capital | 26,791,000 | 26,937,000 | 27,530,000 | 28,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,876,000 | 5,805,000 | 8,857,000 | 12,017,000 |
| Interest expense | 296,000 | 606,000 | 914,000 | 1,218,000 |
| Net interest income | 2,580,000 | 5,199,000 | 7,943,000 | 10,799,000 |
| Noninterest income | 471,000 | 1,091,000 | 1,777,000 | 2,251,000 |
| Noninterest expense | 2,194,000 | 4,388,000 | 6,736,000 | 9,180,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 877,000 | 1,921,000 | 3,048,000 | 3,859,000 |
| Income tax | 289,000 | 636,000 | 1,017,000 | 1,284,000 |
| Net income | 588,000 | 1,285,000 | 2,031,000 | 2,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,354,000 | 26,776,000 | 27,333,000 | 28,638,000 |
| Total capital | 28,885,000 | 29,306,000 | 29,848,000 | 31,238,000 |
| Risk-weighted assets | 225,453,000 | 239,041,000 | 238,397,000 | 250,426,000 |