Call reports 2004
SOUTHERN ILLINOIS BANK — 2004
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 40,180,000 | 42,167,000 | 40,360,000 | 42,211,000 |
| Total loans | 20,564,000 | 21,605,000 | 21,384,000 | 22,722,000 |
| Allowance for loan losses | 117,000 | 129,000 | 137,000 | 149,000 |
| Securities available for sale | 16,769,000 | 15,801,000 | 16,124,000 | 15,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,690,000 | 38,812,000 | 35,447,000 | 36,857,000 |
| Interest-bearing deposits | 31,152,000 | 32,497,000 | 30,504,000 | 31,112,000 |
| Noninterest-bearing deposits | 5,538,000 | 6,315,000 | 4,943,000 | 5,745,000 |
| Equity capital | 3,363,000 | 3,256,000 | 3,450,000 | 3,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 479,000 | 979,000 | 1,476,000 | 1,979,000 |
| Interest expense | 161,000 | 319,000 | 474,000 | 638,000 |
| Net interest income | 318,000 | 660,000 | 1,002,000 | 1,341,000 |
| Noninterest income | 49,000 | 114,000 | 174,000 | 230,000 |
| Noninterest expense | 261,000 | 531,000 | 812,000 | 1,113,000 |
| Provision for loan losses | 12,000 | 24,000 | 32,000 | 44,000 |
| Pretax income | 82,000 | 206,000 | 319,000 | 404,000 |
| Income tax | 21,000 | 54,000 | 84,000 | 97,000 |
| Net income | 61,000 | 152,000 | 235,000 | 307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,280,000 | 3,372,000 | 3,455,000 | 3,526,000 |
| Total capital | 3,397,000 | 3,501,000 | 3,592,000 | 3,675,000 |
| Risk-weighted assets | 22,883,000 | 24,675,000 | 26,795,000 | 25,597,000 |
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