Call reports 2015
SOUTHERN ILLINOIS BANK — 2015
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 105,587,000 | 103,146,000 | 104,189,000 | 104,413,000 |
| Total loans | 55,557,000 | 57,523,000 | 58,015,000 | 60,294,000 |
| Allowance for loan losses | 358,000 | 366,000 | 340,000 | 375,000 |
| Securities available for sale | 37,825,000 | 35,001,000 | 33,971,000 | 31,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,698,000 | 92,477,000 | 93,037,000 | 91,994,000 |
| Interest-bearing deposits | 79,469,000 | 76,035,000 | 78,244,000 | 76,453,000 |
| Noninterest-bearing deposits | 15,229,000 | 16,442,000 | 14,793,000 | 15,540,000 |
| Equity capital | 10,148,000 | 10,109,000 | 10,495,000 | 10,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 917,000 | 1,850,000 | 2,774,000 | 3,724,000 |
| Interest expense | 99,000 | 198,000 | 291,000 | 383,000 |
| Net interest income | 818,000 | 1,652,000 | 2,483,000 | 3,341,000 |
| Noninterest income | 104,000 | 213,000 | 328,000 | 446,000 |
| Noninterest expense | 565,000 | 1,148,000 | 1,728,000 | 2,317,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 58,000 |
| Pretax income | 368,000 | 726,000 | 1,098,000 | 1,476,000 |
| Income tax | 124,000 | 244,000 | 371,000 | 391,000 |
| Net income | 244,000 | 482,000 | 727,000 | 1,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,809,000 | 10,047,000 | 10,292,000 | 10,650,000 |
| Total capital | 10,167,000 | 10,413,000 | 10,632,000 | 11,025,000 |
| Risk-weighted assets | 66,415,000 | 65,913,000 | 72,637,000 | 70,664,000 |