Call reports 2006
SOUTHERN ILLINOIS BANK — 2006
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 44,800,000 | 45,606,000 | 45,171,000 | 45,783,000 |
| Total loans | 26,090,000 | 26,084,000 | 26,803,000 | 27,093,000 |
| Allowance for loan losses | 196,000 | 213,000 | 225,000 | 235,000 |
| Securities available for sale | 13,485,000 | 13,958,000 | 13,682,000 | 14,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,168,000 | 40,478,000 | 39,827,000 | 40,335,000 |
| Interest-bearing deposits | 32,285,000 | 31,967,000 | 32,758,000 | 33,710,000 |
| Noninterest-bearing deposits | 6,883,000 | 8,511,000 | 7,069,000 | 6,625,000 |
| Equity capital | 3,688,000 | 3,702,000 | 3,914,000 | 4,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 583,000 | 1,200,000 | 1,835,000 | 2,497,000 |
| Interest expense | 235,000 | 490,000 | 775,000 | 1,071,000 |
| Net interest income | 348,000 | 710,000 | 1,060,000 | 1,426,000 |
| Noninterest income | 50,000 | 122,000 | 198,000 | 264,000 |
| Noninterest expense | 299,000 | 596,000 | 894,000 | 1,193,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 87,000 | 212,000 | 316,000 | 432,000 |
| Income tax | 27,000 | 60,000 | 82,000 | 101,000 |
| Net income | 60,000 | 152,000 | 234,000 | 331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,867,000 | 3,942,000 | 4,023,000 | 4,120,000 |
| Total capital | 4,063,000 | 4,155,000 | 4,248,000 | 4,355,000 |
| Risk-weighted assets | 27,696,000 | 28,511,000 | 29,108,000 | 29,462,000 |
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