Call reports 2020
SOUTHERN ILLINOIS BANK — 2020
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 115,869,000 | 130,532,000 | 135,662,000 | 141,276,000 |
| Total loans | 76,385,000 | 76,515,000 | 73,924,000 | 74,430,000 |
| Allowance for loan losses | 504,000 | 534,000 | 558,000 | 590,000 |
| Securities available for sale | 24,188,000 | 31,718,000 | 37,756,000 | 41,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,602,000 | 109,862,000 | 114,678,000 | 119,827,000 |
| Interest-bearing deposits | 79,143,000 | 81,945,000 | 87,231,000 | 90,167,000 |
| Noninterest-bearing deposits | 21,459,000 | 27,917,000 | 27,447,000 | 29,660,000 |
| Equity capital | 14,512,000 | 15,684,000 | 16,021,000 | 16,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,206,000 | 2,375,000 | 3,566,000 | 4,806,000 |
| Interest expense | 205,000 | 395,000 | 590,000 | 796,000 |
| Net interest income | 1,001,000 | 1,980,000 | 2,976,000 | 4,010,000 |
| Noninterest income | 158,000 | 312,000 | 496,000 | 654,000 |
| Noninterest expense | 728,000 | 1,474,000 | 2,249,000 | 3,107,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 130,000 |
| Pretax income | 410,000 | 774,000 | 1,220,000 | 1,553,000 |
| Income tax | 102,000 | 195,000 | 306,000 | 172,000 |
| Net income | 308,000 | 579,000 | 914,000 | 1,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,843,000 | 15,114,000 | 15,450,000 | 15,916,000 |
| Total capital | 15,347,000 | 15,648,000 | 16,008,000 | 16,506,000 |
| Risk-weighted assets | 81,651,000 | 86,742,000 | 87,425,000 | 88,852,000 |