Call reports 2023
SAUK VALLEY BANK & TRUST COMPANY — 2023
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 622,755,000 | 635,309,000 | 639,529,000 | 655,728,000 |
| Total loans | 395,140,000 | 401,868,000 | 417,199,000 | 444,022,000 |
| Allowance for loan losses | 5,952,000 | 5,967,000 | 5,968,000 | 5,993,000 |
| Securities available for sale | 185,455,000 | 191,040,000 | 181,837,000 | 172,952,000 |
| Securities held to maturity | 516,000 | 512,000 | 508,000 | 504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 523,837,000 | 555,052,000 | 536,926,000 | 545,286,000 |
| Interest-bearing deposits | 406,733,000 | 439,520,000 | 428,000,000 | 423,944,000 |
| Noninterest-bearing deposits | 117,104,000 | 115,532,000 | 108,926,000 | 121,342,000 |
| Equity capital | 42,340,000 | 41,879,000 | 40,388,000 | 45,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,560,000 | 13,834,000 | 21,614,000 | 29,461,000 |
| Interest expense | 2,306,000 | 5,221,000 | 8,425,000 | 11,762,000 |
| Net interest income | 4,254,000 | 8,613,000 | 13,189,000 | 17,699,000 |
| Noninterest income | 673,000 | 1,357,000 | 2,070,000 | 2,747,000 |
| Noninterest expense | 3,915,000 | 7,863,000 | 11,859,000 | 15,840,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,016,000 | 2,097,000 | 3,397,000 | 4,510,000 |
| Income tax | 208,000 | 434,000 | 723,000 | 960,000 |
| Net income | 808,000 | 1,663,000 | 2,674,000 | 3,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,563,000 | 54,155,000 | 54,966,000 | 56,101,000 |
| Total capital | 59,132,000 | 60,122,000 | 60,934,000 | 62,094,000 |
| Risk-weighted assets | 443,645,000 | 449,314,000 | 467,281,000 | 490,744,000 |
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