Call reports 2024
SAUK VALLEY BANK & TRUST COMPANY — 2024
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 663,195,000 | 671,227,000 | 699,080,000 | 685,167,000 |
| Total loans | 462,259,000 | 476,096,000 | 490,802,000 | 493,717,000 |
| Allowance for loan losses | 6,003,000 | 6,042,000 | 6,300,000 | 6,338,000 |
| Securities available for sale | 162,060,000 | 156,654,000 | 158,454,000 | 155,590,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 557,962,000 | 580,383,000 | 601,683,000 | 582,902,000 |
| Interest-bearing deposits | 444,776,000 | 475,923,000 | 490,560,000 | 467,659,000 |
| Noninterest-bearing deposits | 113,186,000 | 104,460,000 | 111,123,000 | 115,243,000 |
| Equity capital | 45,558,000 | 47,161,000 | 51,197,000 | 50,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 8,444,000 | 17,302,000 | 26,817,000 | 36,081,000 |
| Interest expense | 3,557,000 | 7,241,000 | 11,271,000 | 14,917,000 |
| Net interest income | 4,887,000 | 10,061,000 | 15,546,000 | 21,164,000 |
| Noninterest income | 639,000 | 1,307,000 | 1,998,000 | 2,832,000 |
| Noninterest expense | 4,287,000 | 8,570,000 | 12,797,000 | 17,267,000 |
| Provision for loan losses | 0 | 0 | 249,000 | 463,000 |
| Pretax income | 1,194,000 | 2,747,000 | 4,354,000 | 5,966,000 |
| Income tax | 267,000 | 637,000 | 1,020,000 | 1,405,000 |
| Net income | 927,000 | 2,110,000 | 3,334,000 | 4,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,642,000 | 58,061,000 | 59,402,000 | 61,192,000 |
| Total capital | 62,645,000 | 64,787,000 | 65,702,000 | 67,530,000 |
| Risk-weighted assets | 511,065,000 | 520,801,000 | 544,817,000 | 545,882,000 |