Call reports 2016
SAUK VALLEY BANK & TRUST COMPANY — 2016
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 338,026,000 | 355,551,000 | 355,635,000 | 353,887,000 |
| Total loans | 233,148,000 | 251,190,000 | 251,875,000 | 251,803,000 |
| Allowance for loan losses | 2,178,000 | 2,243,000 | 2,320,000 | 2,402,000 |
| Securities available for sale | 80,671,000 | 78,742,000 | 78,485,000 | 78,096,000 |
| Securities held to maturity | 2,213,000 | 2,212,000 | 2,212,000 | 2,211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,578,000 | 299,995,000 | 296,588,000 | 291,853,000 |
| Interest-bearing deposits | 244,318,000 | 250,427,000 | 251,854,000 | 243,060,000 |
| Noninterest-bearing deposits | 50,260,000 | 49,568,000 | 44,734,000 | 48,793,000 |
| Equity capital | 28,997,000 | 30,245,000 | 30,788,000 | 29,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,218,000 | 6,609,000 | 10,113,000 | 13,567,000 |
| Interest expense | 329,000 | 675,000 | 1,034,000 | 1,404,000 |
| Net interest income | 2,889,000 | 5,934,000 | 9,079,000 | 12,163,000 |
| Noninterest income | 498,000 | 1,441,000 | 2,301,000 | 2,979,000 |
| Noninterest expense | 2,400,000 | 5,105,000 | 7,800,000 | 10,452,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 400,000 |
| Pretax income | 908,000 | 2,093,000 | 3,318,000 | 4,328,000 |
| Income tax | 293,000 | 679,000 | 1,094,000 | 1,426,000 |
| Net income | 615,000 | 1,414,000 | 2,224,000 | 2,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,736,000 | 29,296,000 | 29,951,000 | 30,530,000 |
| Total capital | 30,914,000 | 31,540,000 | 32,271,000 | 32,933,000 |
| Risk-weighted assets | 248,443,000 | 258,738,000 | 262,016,000 | 263,660,000 |