Sauk Valley Bank & Trust Company in Sterling, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Sauk Valley Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 35131
    Status: Active
    Federal Reserve ID: 2797162
    Bank Holding Company (Regulatory Top Holder): Sv Financial, Inc. (RSSDID: 3093919, Location: Sterling, IL)
    Date Established: July 09, 1999
    WWW: http://www.saukvalleybank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 74920
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: July 09, 1999
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 West 3rd Street, Sterling, IL 61081
    County: Whiteside
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Sterling, IL (#44580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $242.1 mil
    Equity capital: $21.1 mil
    Deposits held in domestic offices: $202.0 mil
    Return on assets (ROA): 0.98% ($2.4 mil)
    Quarterly return on assets: 0.95% ($2.3 mil)
    Return on Equity (ROE): 11.41% ($2.4 mil)
    Quarterly return on equity: 11.05% ($2.3 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.53% ($3,703.6 mil)
    Quarterly Pretax return on assets: 1.47% ($3,558.4 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 54Total employees (full-time equivalent)
  • $242,066Total assets
  • $7,190Cash and due from depository institutions
  • $1,837Interest-bearing balances
  • $74,077Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $147,587Net loans & leases
  • $2,284Loan loss allowance
  • $0Trading account assets
  • $8,677Bank premises and fixed assets
  • $358Other real estate owned
  • $542Goodwill and other intangibles
  • $242,066Life insurance assets
  • $3,635All other assets
  • $221,001Total liabilities and capital
  • $201,970Total liabilities
  • $169,172Total deposits
  • $201,970Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 3246.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,750Trading liabilities
  • $0Other borrowed funds
  • $1,035Subordinated debt
  • $21,065All other liabilities
  • $21,065Total equity capital
  • $21,065Total bank equity capital
  • $0Perpetual preferred stock
  • $912Common stock
  • $14,214Surplus
  • $5,939Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,568Income earned, not collected on loans
  • $0Earning assets
  • $1,342Long-term assets (5+ years)
  • $223,501Average Assets, year-to-date
  • $65,884Average Assets, quarterly
  • $233,699Volatile liabilities
  • $243,620Insider loans
  • $169,188FHLB advances
  • $242,101Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,476Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $40,246Restructured Loans and leases
  • $1,615Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,690Total interest income
  • $1,989Total interest expense
  • $8,701Net interest income
  • $175Provision for loan and lease losses
  • $917Total noninterest income
  • $6Fiduciary activities
  • $239Service charges on deposit accounts
  • $0Trading account gains & fees
  • $672Additional noninterest income
  • $5,784Total noninterest expense
  • $3,072Salaries and employee benefits
  • $687Premises and equipment expense
  • $2,025Additional noninterest expense
  • $3,659Pre-tax net operating income
  • -$82Securities gains (losses)
  • $1,288Applicable income taxes
  • $2,289Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,289Net income attributable to bank
  • $0Net charge-offs
  • $2,289Cash dividends
  • $55Sale, conversion, retirement of capital stock, net
  • $578Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.94%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 4.02%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.67%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 1.53%Pretax return on assets
  • 11.41%Return on equity (ROE)
  • 8.53%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 318.18%Credit loss provision to net charge-offs
  • 69.71%Efficiency ratio
  • 60,137Assets per employee
  • 4.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.25%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 145.66%Noncurrent assets plus other real estate owned to assets
  • 0.80%Noncurrent loans to loans
  • 1.05%Net loans and leases to deposits
  • 73.07%Net loans and leases to core deposits
  • 79.25%Equity capital to assets
  • 8.70%Core capital (leverage) ratio
  • 8.46%Tier 1 risk-based capital ratio
  • 12.10%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $233,699Average earning assets
  • $20,066Average equity
  • $216,579Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $10,696Managed Assets
  • 1Number of Accounts
  • $8,031Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $8,031Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 60Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,665Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,817Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    074920Sauk Valley Bank & Trust Company201 West 3rd Street, Sterling, IL 61081July 09, 1999Full Service Brick and Mortar
    2463227Dixon Branch300 Walton Drive, Dixon, IL 61021December 20, 2006Full Service Brick and Mortar
    3466957Rock Falls Branch904 First Avenue, Rock Falls, IL 61071July 30, 2007Full Service Brick and Mortar

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