Call reports 2018
SOUTHERN ILLINOIS BANK — 2018
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 108,177,000 | 108,036,000 | 105,786,000 | 106,802,000 |
| Total loans | 65,070,000 | 64,518,000 | 62,016,000 | 65,392,000 |
| Allowance for loan losses | 384,000 | 407,000 | 419,000 | 464,000 |
| Securities available for sale | 27,744,000 | 27,068,000 | 27,913,000 | 28,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,565,000 | 95,267,000 | 92,993,000 | 93,403,000 |
| Interest-bearing deposits | 76,153,000 | 75,816,000 | 73,297,000 | 73,436,000 |
| Noninterest-bearing deposits | 19,412,000 | 19,451,000 | 19,696,000 | 19,967,000 |
| Equity capital | 11,999,000 | 12,238,000 | 12,285,000 | 12,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 983,000 | 1,985,000 | 2,972,000 | 4,005,000 |
| Interest expense | 88,000 | 191,000 | 292,000 | 413,000 |
| Net interest income | 895,000 | 1,794,000 | 2,680,000 | 3,592,000 |
| Noninterest income | 125,000 | 269,000 | 399,000 | 529,000 |
| Noninterest expense | 693,000 | 1,417,000 | 2,137,000 | 2,828,000 |
| Provision for loan losses | 17,000 | 40,000 | 63,000 | 100,000 |
| Pretax income | 290,000 | 604,000 | 875,000 | 1,187,000 |
| Income tax | 75,000 | 158,000 | 229,000 | 238,000 |
| Net income | 215,000 | 446,000 | 646,000 | 949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,819,000 | 13,050,000 | 13,250,000 | 13,553,000 |
| Total capital | 13,203,000 | 13,457,000 | 13,669,000 | 14,017,000 |
| Risk-weighted assets | 71,756,000 | 69,835,000 | 67,259,000 | 69,710,000 |