Call reports 2019
SOUTHERN ILLINOIS BANK — 2019
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 111,037,000 | 111,412,000 | 117,144,000 | 113,659,000 |
| Total loans | 68,089,000 | 70,939,000 | 72,729,000 | 74,188,000 |
| Allowance for loan losses | 578,000 | 435,000 | 343,000 | 382,000 |
| Securities available for sale | 27,597,000 | 26,753,000 | 27,463,000 | 26,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,931,000 | 96,711,000 | 101,975,000 | 98,217,000 |
| Interest-bearing deposits | 73,867,000 | 74,961,000 | 81,050,000 | 78,000,000 |
| Noninterest-bearing deposits | 23,064,000 | 21,750,000 | 20,925,000 | 20,217,000 |
| Equity capital | 13,577,000 | 14,090,000 | 14,470,000 | 14,663,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,029,000 | 2,154,000 | 3,424,000 | 4,637,000 |
| Interest expense | 162,000 | 353,000 | 566,000 | 781,000 |
| Net interest income | 867,000 | 1,801,000 | 2,858,000 | 3,856,000 |
| Noninterest income | 308,000 | 437,000 | 588,000 | 734,000 |
| Noninterest expense | 726,000 | 1,448,000 | 2,205,000 | 2,999,000 |
| Provision for loan losses | 112,000 | 137,000 | 163,000 | 188,000 |
| Pretax income | 334,000 | 644,000 | 1,075,000 | 1,390,000 |
| Income tax | 71,000 | 156,000 | 271,000 | 342,000 |
| Net income | 263,000 | 488,000 | 804,000 | 1,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,782,000 | 14,007,000 | 14,324,000 | 14,568,000 |
| Total capital | 14,360,000 | 14,442,000 | 14,667,000 | 14,950,000 |
| Risk-weighted assets | 73,046,000 | 74,810,000 | 78,224,000 | 80,161,000 |