Call reports 2021
SOUTHERN ILLINOIS BANK — 2021
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 152,782,000 | 157,605,000 | 161,550,000 | 159,326,000 |
| Total loans | 74,715,000 | 78,137,000 | 78,355,000 | 75,474,000 |
| Allowance for loan losses | 590,000 | 599,000 | 620,000 | 654,000 |
| Securities available for sale | 45,593,000 | 46,353,000 | 46,575,000 | 43,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,998,000 | 134,875,000 | 138,585,000 | 135,398,000 |
| Interest-bearing deposits | 97,197,000 | 100,985,000 | 103,687,000 | 101,337,000 |
| Noninterest-bearing deposits | 34,801,000 | 33,890,000 | 34,898,000 | 34,061,000 |
| Equity capital | 16,160,000 | 16,905,000 | 17,187,000 | 18,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,172,000 | 2,659,000 | 3,836,000 | 5,026,000 |
| Interest expense | 199,000 | 377,000 | 545,000 | 702,000 |
| Net interest income | 973,000 | 2,282,000 | 3,291,000 | 4,324,000 |
| Noninterest income | 183,000 | 388,000 | 595,000 | 1,824,000 |
| Noninterest expense | 786,000 | 1,628,000 | 2,447,000 | 3,607,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 97,000 |
| Pretax income | 369,000 | 1,028,000 | 1,409,000 | 2,403,000 |
| Income tax | 84,000 | 271,000 | 362,000 | 312,000 |
| Net income | 285,000 | 757,000 | 1,047,000 | 2,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,165,000 | 16,637,000 | 16,927,000 | 17,971,000 |
| Total capital | 16,755,000 | 17,236,000 | 17,547,000 | 18,625,000 |
| Risk-weighted assets | 90,831,000 | 98,949,000 | 94,631,000 | 91,705,000 |