Call reports 2019
SAUK VALLEY BANK & TRUST COMPANY — 2019
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 422,080,000 | 441,315,000 | 450,181,000 | 451,426,000 |
| Total loans | 307,487,000 | 316,345,000 | 316,024,000 | 322,367,000 |
| Allowance for loan losses | 3,729,000 | 3,730,000 | 4,013,000 | 4,096,000 |
| Securities available for sale | 80,799,000 | 87,487,000 | 97,345,000 | 98,600,000 |
| Securities held to maturity | 2,204,000 | 2,204,000 | 2,203,000 | 2,202,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,854,000 | 390,079,000 | 392,926,000 | 392,772,000 |
| Interest-bearing deposits | 301,943,000 | 320,551,000 | 320,906,000 | 316,125,000 |
| Noninterest-bearing deposits | 70,911,000 | 69,528,000 | 72,020,000 | 76,647,000 |
| Equity capital | 37,531,000 | 38,898,000 | 43,245,000 | 44,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,563,000 | 9,172,000 | 14,042,000 | 18,750,000 |
| Interest expense | 1,031,000 | 2,086,000 | 3,194,000 | 4,194,000 |
| Net interest income | 3,532,000 | 7,086,000 | 10,848,000 | 14,556,000 |
| Noninterest income | 454,000 | 1,012,000 | 1,690,000 | 2,448,000 |
| Noninterest expense | 2,887,000 | 5,678,000 | 8,680,000 | 11,751,000 |
| Provision for loan losses | 250,000 | 500,000 | 500,000 | 600,000 |
| Pretax income | 849,000 | 1,920,000 | 3,360,000 | 4,737,000 |
| Income tax | 186,000 | 437,000 | 797,000 | 1,144,000 |
| Net income | 663,000 | 1,483,000 | 2,563,000 | 3,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,081,000 | 38,341,000 | 42,244,000 | 43,288,000 |
| Total capital | 41,810,000 | 42,072,000 | 46,257,000 | 47,384,000 |
| Risk-weighted assets | 343,347,000 | 337,367,000 | 359,422,000 | 348,061,000 |