Call reports 2022
SOUTHERN ILLINOIS BANK — 2022
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 162,857,000 | 156,058,000 | 153,251,000 | 146,078,000 |
| Total loans | 77,346,000 | 81,995,000 | 82,490,000 | 84,819,000 |
| Allowance for loan losses | 705,000 | 841,000 | 862,000 | 815,000 |
| Securities available for sale | 40,855,000 | 38,593,000 | 38,946,000 | 41,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,423,000 | 140,723,000 | 139,264,000 | 130,381,000 |
| Interest-bearing deposits | 103,798,000 | 103,007,000 | 99,734,000 | 92,953,000 |
| Noninterest-bearing deposits | 37,625,000 | 37,716,000 | 39,530,000 | 37,428,000 |
| Equity capital | 15,522,000 | 14,281,000 | 12,923,000 | 14,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,106,000 | 2,320,000 | 3,683,000 | 5,133,000 |
| Interest expense | 149,000 | 291,000 | 425,000 | 555,000 |
| Net interest income | 957,000 | 2,029,000 | 3,258,000 | 4,578,000 |
| Noninterest income | 223,000 | 885,000 | 1,103,000 | 1,287,000 |
| Noninterest expense | 827,000 | 1,774,000 | 2,629,000 | 3,546,000 |
| Provision for loan losses | 21,000 | 157,000 | 178,000 | 199,000 |
| Pretax income | 332,000 | 983,000 | 1,554,000 | 2,120,000 |
| Income tax | 72,000 | 257,000 | 408,000 | 424,000 |
| Net income | 260,000 | 726,000 | 1,146,000 | 1,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,111,000 | 18,577,000 | 18,997,000 | 19,548,000 |
| Total capital | 18,816,000 | 19,418,000 | 19,859,000 | 20,363,000 |
| Risk-weighted assets | 90,052,000 | 98,091,000 | 98,223,000 | 100,696,000 |