Call reports 2012
SOUTHERN ILLINOIS BANK — 2012
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 92,436,000 | 89,664,000 | 90,244,000 | 90,620,000 |
| Total loans | 37,656,000 | 38,197,000 | 40,598,000 | 43,217,000 |
| Allowance for loan losses | 316,000 | 325,000 | 336,000 | 329,000 |
| Securities available for sale | 47,480,000 | 45,402,000 | 40,502,000 | 39,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,948,000 | 80,307,000 | 81,192,000 | 81,497,000 |
| Interest-bearing deposits | 69,025,000 | 66,053,000 | 68,336,000 | 67,594,000 |
| Noninterest-bearing deposits | 14,923,000 | 14,254,000 | 12,856,000 | 13,903,000 |
| Equity capital | 7,607,000 | 7,817,000 | 8,148,000 | 8,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 838,000 | 1,692,000 | 2,536,000 | 3,361,000 |
| Interest expense | 149,000 | 294,000 | 433,000 | 571,000 |
| Net interest income | 689,000 | 1,398,000 | 2,103,000 | 2,790,000 |
| Noninterest income | 94,000 | 199,000 | 302,000 | 420,000 |
| Noninterest expense | 487,000 | 974,000 | 1,463,000 | 1,972,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 293,000 | 716,000 | 1,041,000 | 1,322,000 |
| Income tax | 86,000 | 220,000 | 312,000 | 341,000 |
| Net income | 207,000 | 496,000 | 729,000 | 981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,862,000 | 7,151,000 | 7,385,000 | 7,637,000 |
| Total capital | 7,178,000 | 7,476,000 | 7,721,000 | 7,966,000 |
| Risk-weighted assets | 50,725,000 | 51,693,000 | 53,410,000 | 55,571,000 |