Call reports 2017
SOUTHERN ILLINOIS BANK — 2017
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 102,428,000 | 102,563,000 | 107,270,000 | 105,681,000 |
| Total loans | 65,209,000 | 65,421,000 | 65,016,000 | 65,298,000 |
| Allowance for loan losses | 396,000 | 370,000 | 366,000 | 396,000 |
| Securities available for sale | 27,606,000 | 27,895,000 | 27,947,000 | 28,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,206,000 | 89,923,000 | 94,420,000 | 92,455,000 |
| Interest-bearing deposits | 73,292,000 | 71,863,000 | 76,994,000 | 73,892,000 |
| Noninterest-bearing deposits | 16,914,000 | 18,060,000 | 17,426,000 | 18,563,000 |
| Equity capital | 11,696,000 | 12,090,000 | 12,247,000 | 12,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 937,000 | 1,896,000 | 2,863,000 | 3,845,000 |
| Interest expense | 84,000 | 169,000 | 255,000 | 343,000 |
| Net interest income | 853,000 | 1,727,000 | 2,608,000 | 3,502,000 |
| Noninterest income | 117,000 | 246,000 | 369,000 | 485,000 |
| Noninterest expense | 623,000 | 1,252,000 | 1,901,000 | 2,586,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 100,000 |
| Pretax income | 346,000 | 740,000 | 1,083,000 | 1,351,000 |
| Income tax | 123,000 | 276,000 | 408,000 | 413,000 |
| Net income | 223,000 | 464,000 | 675,000 | 938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,918,000 | 12,160,000 | 12,370,000 | 12,634,000 |
| Total capital | 12,314,000 | 12,530,000 | 12,736,000 | 13,030,000 |
| Risk-weighted assets | 71,008,000 | 73,627,000 | 74,612,000 | 60,692,000 |