Call reports 2016
SOUTHERN ILLINOIS BANK — 2016
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 106,541,000 | 104,532,000 | 108,683,000 | 100,825,000 |
| Total loans | 60,507,000 | 61,044,000 | 63,044,000 | 64,089,000 |
| Allowance for loan losses | 238,000 | 250,000 | 344,000 | 381,000 |
| Securities available for sale | 34,164,000 | 33,489,000 | 33,565,000 | 28,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,681,000 | 92,232,000 | 96,290,000 | 88,896,000 |
| Interest-bearing deposits | 76,753,000 | 76,013,000 | 79,214,000 | 72,888,000 |
| Noninterest-bearing deposits | 16,928,000 | 16,219,000 | 17,076,000 | 16,008,000 |
| Equity capital | 11,127,000 | 11,543,000 | 11,666,000 | 11,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 927,000 | 1,861,000 | 2,851,000 | 3,818,000 |
| Interest expense | 92,000 | 184,000 | 277,000 | 365,000 |
| Net interest income | 835,000 | 1,677,000 | 2,574,000 | 3,453,000 |
| Noninterest income | 108,000 | 231,000 | 347,000 | 500,000 |
| Noninterest expense | 590,000 | 1,175,000 | 1,763,000 | 2,379,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 69,000 |
| Pretax income | 343,000 | 713,000 | 1,154,000 | 1,562,000 |
| Income tax | 116,000 | 249,000 | 414,000 | 459,000 |
| Net income | 227,000 | 464,000 | 740,000 | 1,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,850,000 | 11,088,000 | 11,362,000 | 11,726,000 |
| Total capital | 11,088,000 | 11,338,000 | 11,706,000 | 12,107,000 |
| Risk-weighted assets | 72,038,000 | 71,388,000 | 71,147,000 | 73,039,000 |