Call reports 2021
SAUK VALLEY BANK & TRUST COMPANY — 2021
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 579,182,000 | 581,414,000 | 602,485,000 | 583,065,000 |
| Total loans | 359,980,000 | 354,153,000 | 364,596,000 | 362,429,000 |
| Allowance for loan losses | 5,472,000 | 4,764,000 | 5,134,000 | 5,227,000 |
| Securities available for sale | 173,581,000 | 178,923,000 | 174,473,000 | 190,516,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,539,000 | 535,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 488,510,000 | 503,520,000 | 524,796,000 | 507,140,000 |
| Interest-bearing deposits | 378,896,000 | 399,955,000 | 411,564,000 | 385,090,000 |
| Noninterest-bearing deposits | 109,614,000 | 103,565,000 | 113,232,000 | 122,050,000 |
| Equity capital | 48,970,000 | 50,478,000 | 51,963,000 | 51,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,774,000 | 9,821,000 | 15,119,000 | 19,821,000 |
| Interest expense | 455,000 | 833,000 | 1,189,000 | 1,535,000 |
| Net interest income | 4,319,000 | 8,988,000 | 13,930,000 | 18,286,000 |
| Noninterest income | 847,000 | 1,668,000 | 2,406,000 | 3,188,000 |
| Noninterest expense | 3,186,000 | 6,436,000 | 9,728,000 | 13,224,000 |
| Provision for loan losses | 500,000 | 950,000 | 1,350,000 | 1,850,000 |
| Pretax income | 1,480,000 | 3,270,000 | 5,273,000 | 6,419,000 |
| Income tax | 356,000 | 791,000 | 1,284,000 | 1,541,000 |
| Net income | 1,124,000 | 2,479,000 | 3,989,000 | 4,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,918,000 | 48,045,000 | 49,290,000 | 49,927,000 |
| Total capital | 51,489,000 | 52,788,000 | 54,393,000 | 54,981,000 |
| Risk-weighted assets | 364,780,000 | 379,481,000 | 408,261,000 | 404,168,000 |
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