Call reports 2013
SOUTHERN ILLINOIS BANK — 2013
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 95,969,000 | 95,171,000 | 97,095,000 | 95,854,000 |
| Total loans | 46,422,000 | 48,512,000 | 50,120,000 | 46,729,000 |
| Allowance for loan losses | 330,000 | 340,000 | 344,000 | 360,000 |
| Securities available for sale | 40,759,000 | 38,940,000 | 40,871,000 | 40,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,758,000 | 86,945,000 | 88,226,000 | 87,010,000 |
| Interest-bearing deposits | 70,325,000 | 71,390,000 | 74,470,000 | 72,254,000 |
| Noninterest-bearing deposits | 16,433,000 | 15,555,000 | 13,756,000 | 14,756,000 |
| Equity capital | 8,408,000 | 7,821,000 | 8,228,000 | 8,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 836,000 | 1,692,000 | 2,574,000 | 3,458,000 |
| Interest expense | 123,000 | 242,000 | 362,000 | 480,000 |
| Net interest income | 713,000 | 1,450,000 | 2,212,000 | 2,978,000 |
| Noninterest income | 102,000 | 213,000 | 316,000 | 435,000 |
| Noninterest expense | 514,000 | 1,038,000 | 1,560,000 | 2,108,000 |
| Provision for loan losses | 9,000 | 19,000 | 29,000 | 54,000 |
| Pretax income | 293,000 | 676,000 | 1,016,000 | 1,346,000 |
| Income tax | 83,000 | 213,000 | 323,000 | 361,000 |
| Net income | 210,000 | 463,000 | 693,000 | 985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,822,000 | 8,075,000 | 8,305,000 | 8,597,000 |
| Total capital | 8,152,000 | 8,415,000 | 8,649,000 | 8,957,000 |
| Risk-weighted assets | 59,387,000 | 60,528,000 | 61,862,000 | 58,941,000 |