Call reports 2020
SAUK VALLEY BANK & TRUST COMPANY — 2020
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 464,364,000 | 591,416,000 | 569,635,000 | 587,448,000 |
| Total loans | 331,730,000 | 364,475,000 | 376,530,000 | 359,094,000 |
| Allowance for loan losses | 4,148,000 | 4,415,000 | 4,510,000 | 5,001,000 |
| Securities available for sale | 108,878,000 | 120,573,000 | 144,072,000 | 161,729,000 |
| Securities held to maturity | 1,502,000 | 1,501,000 | 1,500,000 | 1,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,737,000 | 490,764,000 | 467,455,000 | 490,266,000 |
| Interest-bearing deposits | 319,310,000 | 390,226,000 | 381,870,000 | 369,849,000 |
| Noninterest-bearing deposits | 78,427,000 | 100,538,000 | 85,585,000 | 120,417,000 |
| Equity capital | 43,886,000 | 47,559,000 | 48,521,000 | 49,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,568,000 | 9,184,000 | 13,872,000 | 18,768,000 |
| Interest expense | 913,000 | 1,565,000 | 2,168,000 | 2,689,000 |
| Net interest income | 3,655,000 | 7,619,000 | 11,704,000 | 16,079,000 |
| Noninterest income | 649,000 | 1,567,000 | 2,518,000 | 3,426,000 |
| Noninterest expense | 2,996,000 | 5,874,000 | 9,002,000 | 12,378,000 |
| Provision for loan losses | 125,000 | 375,000 | 700,000 | 1,450,000 |
| Pretax income | 1,179,000 | 2,930,000 | 4,512,000 | 5,669,000 |
| Income tax | 285,000 | 725,000 | 1,127,000 | 1,398,000 |
| Net income | 894,000 | 2,205,000 | 3,385,000 | 4,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,801,000 | 44,976,000 | 45,945,000 | 46,558,000 |
| Total capital | 47,949,000 | 49,391,000 | 50,455,000 | 51,193,000 |
| Risk-weighted assets | 357,125,000 | 359,633,000 | 371,464,000 | 370,461,000 |
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