Call reports 2023
SOUTHERN ILLINOIS BANK — 2023
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 146,889,000 | 150,730,000 | 149,003,000 | 147,820,000 |
| Total loans | 84,977,000 | 91,491,000 | 91,682,000 | 91,446,000 |
| Allowance for loan losses | 836,000 | 863,000 | 884,000 | 905,000 |
| Securities available for sale | 41,928,000 | 41,205,000 | 38,822,000 | 41,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,172,000 | 128,833,000 | 128,272,000 | 124,658,000 |
| Interest-bearing deposits | 91,380,000 | 89,474,000 | 89,616,000 | 88,981,000 |
| Noninterest-bearing deposits | 38,792,000 | 39,359,000 | 38,656,000 | 35,677,000 |
| Equity capital | 15,629,000 | 15,834,000 | 14,743,000 | 17,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,437,000 | 3,114,000 | 4,816,000 | 6,567,000 |
| Interest expense | 180,000 | 472,000 | 898,000 | 1,385,000 |
| Net interest income | 1,257,000 | 2,642,000 | 3,918,000 | 5,182,000 |
| Noninterest income | 197,000 | 406,000 | 611,000 | 813,000 |
| Noninterest expense | 866,000 | 1,765,000 | 2,633,000 | 3,619,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 567,000 | 1,241,000 | 1,833,000 | 2,292,000 |
| Income tax | 152,000 | 318,000 | 472,000 | 481,000 |
| Net income | 415,000 | 923,000 | 1,361,000 | 1,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,843,000 | 20,350,000 | 20,788,000 | 21,238,000 |
| Total capital | 20,679,000 | 21,213,000 | 21,672,000 | 22,143,000 |
| Risk-weighted assets | 99,637,000 | 106,942,000 | 111,527,000 | 109,405,000 |