Call reports 2007
SOUTHERN ILLINOIS BANK — 2007
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 49,382,000 | 51,999,000 | 53,037,000 | 51,925,000 |
| Total loans | 28,064,000 | 28,861,000 | 29,504,000 | 29,687,000 |
| Allowance for loan losses | 251,000 | 257,000 | 260,000 | 237,000 |
| Securities available for sale | 15,280,000 | 16,972,000 | 17,374,000 | 17,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,821,000 | 46,419,000 | 47,183,000 | 46,377,000 |
| Interest-bearing deposits | 35,877,000 | 38,340,000 | 39,218,000 | 38,435,000 |
| Noninterest-bearing deposits | 7,944,000 | 8,079,000 | 7,965,000 | 7,942,000 |
| Equity capital | 4,104,000 | 4,083,000 | 4,348,000 | 4,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 702,000 | 1,451,000 | 2,235,000 | 3,016,000 |
| Interest expense | 319,000 | 656,000 | 1,010,000 | 1,364,000 |
| Net interest income | 383,000 | 795,000 | 1,225,000 | 1,652,000 |
| Noninterest income | 63,000 | 135,000 | 206,000 | 279,000 |
| Noninterest expense | 345,000 | 699,000 | 1,043,000 | 1,415,000 |
| Provision for loan losses | 10,000 | 16,000 | 22,000 | 28,000 |
| Pretax income | 91,000 | 215,000 | 366,000 | 485,000 |
| Income tax | 28,000 | 63,000 | 96,000 | 122,000 |
| Net income | 63,000 | 152,000 | 270,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,183,000 | 4,254,000 | 4,372,000 | 4,465,000 |
| Total capital | 4,434,000 | 4,511,000 | 4,632,000 | 4,702,000 |
| Risk-weighted assets | 30,759,000 | 32,307,000 | 33,357,000 | 33,397,000 |
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