Call reports 2025
SAUK VALLEY BANK & TRUST COMPANY — 2025
What SAUK VALLEY BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 696,479,000 | 731,836,000 | 730,201,000 | 748,217,000 |
| Total loans | 499,545,000 | 520,460,000 | 527,721,000 | 551,892,000 |
| Allowance for loan losses | 6,534,000 | 6,859,000 | 6,992,000 | 7,262,000 |
| Securities available for sale | 160,118,000 | 152,987,000 | 158,868,000 | 156,230,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 590,987,000 | 620,614,000 | 611,861,000 | 616,071,000 |
| Interest-bearing deposits | 478,384,000 | 513,518,000 | 504,546,000 | 495,244,000 |
| Noninterest-bearing deposits | 112,603,000 | 107,096,000 | 107,315,000 | 120,827,000 |
| Equity capital | 53,136,000 | 54,209,000 | 57,207,000 | 59,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,239,000 | 19,018,000 | 29,021,000 | 39,966,000 |
| Interest expense | 3,509,000 | 7,168,000 | 11,194,000 | 14,822,000 |
| Net interest income | 5,730,000 | 11,850,000 | 17,827,000 | 25,144,000 |
| Noninterest income | 705,000 | 1,445,000 | 2,232,000 | 3,147,000 |
| Noninterest expense | 4,713,000 | 9,473,000 | 14,324,000 | 19,471,000 |
| Provision for loan losses | 234,000 | 578,000 | 701,000 | 951,000 |
| Pretax income | 1,476,000 | 3,312,000 | 5,139,000 | 7,976,000 |
| Income tax | 349,000 | 802,000 | 1,251,000 | 2,055,000 |
| Net income | 1,127,000 | 2,510,000 | 3,888,000 | 5,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,612,000 | 62,894,000 | 63,839,000 | 65,510,000 |
| Total capital | 68,146,000 | 69,753,000 | 70,831,000 | 72,749,000 |
| Risk-weighted assets | 550,417,000 | 567,249,000 | 572,732,000 | 579,146,000 |
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