Call reports 2008
SOUTHERN ILLINOIS BANK — 2008
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 54,468,000 | 55,031,000 | 55,143,000 | 57,349,000 |
| Total loans | 30,419,000 | 31,585,000 | 31,543,000 | 32,905,000 |
| Allowance for loan losses | 245,000 | 249,000 | 243,000 | 245,000 |
| Securities available for sale | 18,214,000 | 17,331,000 | 18,471,000 | 18,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,842,000 | 48,199,000 | 48,740,000 | 49,458,000 |
| Interest-bearing deposits | 38,325,000 | 39,817,000 | 40,116,000 | 40,218,000 |
| Noninterest-bearing deposits | 9,517,000 | 8,382,000 | 8,624,000 | 9,240,000 |
| Equity capital | 4,715,000 | 4,542,000 | 4,697,000 | 4,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 771,000 | 1,530,000 | 2,291,000 | 3,065,000 |
| Interest expense | 337,000 | 658,000 | 961,000 | 1,233,000 |
| Net interest income | 434,000 | 872,000 | 1,330,000 | 1,832,000 |
| Noninterest income | 67,000 | 154,000 | 226,000 | 210,000 |
| Noninterest expense | 374,000 | 785,000 | 1,248,000 | 1,591,000 |
| Provision for loan losses | 6,000 | 10,000 | 16,000 | 18,000 |
| Pretax income | 156,000 | 281,000 | 342,000 | 483,000 |
| Income tax | 52,000 | 86,000 | 84,000 | 117,000 |
| Net income | 104,000 | 195,000 | 258,000 | 366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,551,000 | 4,642,000 | 4,704,000 | 4,810,000 |
| Total capital | 4,796,000 | 4,891,000 | 4,947,000 | 5,055,000 |
| Risk-weighted assets | 33,973,000 | 35,207,000 | 35,728,000 | 37,468,000 |
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