Call reports 2014
SOUTHERN ILLINOIS BANK — 2014
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 99,383,000 | 99,102,000 | 104,006,000 | 105,000,000 |
| Total loans | 46,205,000 | 52,187,000 | 54,130,000 | 55,102,000 |
| Allowance for loan losses | 373,000 | 389,000 | 377,000 | 345,000 |
| Securities available for sale | 43,367,000 | 36,834,000 | 37,492,000 | 39,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,087,000 | 89,351,000 | 94,035,000 | 94,759,000 |
| Interest-bearing deposits | 74,774,000 | 74,479,000 | 79,243,000 | 78,147,000 |
| Noninterest-bearing deposits | 15,313,000 | 14,872,000 | 14,792,000 | 16,611,000 |
| Equity capital | 8,788,000 | 9,209,000 | 9,437,000 | 9,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 840,000 | 1,713,000 | 2,613,000 | 3,536,000 |
| Interest expense | 99,000 | 199,000 | 301,000 | 403,000 |
| Net interest income | 741,000 | 1,514,000 | 2,312,000 | 3,133,000 |
| Noninterest income | 107,000 | 220,000 | 339,000 | 457,000 |
| Noninterest expense | 521,000 | 1,065,000 | 1,608,000 | 2,209,000 |
| Provision for loan losses | 12,000 | 26,000 | 39,000 | 50,000 |
| Pretax income | 323,000 | 655,000 | 1,020,000 | 1,397,000 |
| Income tax | 104,000 | 207,000 | 329,000 | 378,000 |
| Net income | 219,000 | 448,000 | 691,000 | 1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,792,000 | 9,020,000 | 9,264,000 | 9,592,000 |
| Total capital | 9,165,000 | 9,409,000 | 9,641,000 | 9,937,000 |
| Risk-weighted assets | 59,731,000 | 61,741,000 | 64,500,000 | 66,022,000 |