Call reports 2011
SOUTHERN ILLINOIS BANK — 2011
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 81,781,000 | 84,047,000 | 89,589,000 | 89,985,000 |
| Total loans | 35,399,000 | 36,458,000 | 37,041,000 | 37,211,000 |
| Allowance for loan losses | 312,000 | 309,000 | 302,000 | 306,000 |
| Securities available for sale | 40,588,000 | 40,277,000 | 43,123,000 | 46,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,355,000 | 76,877,000 | 81,675,000 | 81,794,000 |
| Interest-bearing deposits | 63,232,000 | 64,736,000 | 69,152,000 | 69,117,000 |
| Noninterest-bearing deposits | 12,123,000 | 12,141,000 | 12,523,000 | 12,677,000 |
| Equity capital | 6,011,000 | 6,592,000 | 7,123,000 | 7,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 849,000 | 1,697,000 | 2,548,000 | 3,385,000 |
| Interest expense | 173,000 | 343,000 | 509,000 | 672,000 |
| Net interest income | 676,000 | 1,354,000 | 2,039,000 | 2,713,000 |
| Noninterest income | 97,000 | 196,000 | 292,000 | 385,000 |
| Noninterest expense | 492,000 | 987,000 | 1,460,000 | 1,938,000 |
| Provision for loan losses | 9,000 | 17,000 | 26,000 | 35,000 |
| Pretax income | 296,000 | 543,000 | 835,000 | 1,116,000 |
| Income tax | 77,000 | 129,000 | 206,000 | 256,000 |
| Net income | 219,000 | 414,000 | 629,000 | 860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,035,000 | 6,231,000 | 6,445,000 | 6,676,000 |
| Total capital | 6,347,000 | 6,540,000 | 6,747,000 | 6,982,000 |
| Risk-weighted assets | 45,374,000 | 46,405,000 | 48,347,000 | 42,017,000 |