Call reports 2024
SOUTHERN ILLINOIS BANK — 2024
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 148,734,000 | 146,181,000 | 151,183,000 | 157,313,000 |
| Total loans | 90,004,000 | 89,547,000 | 91,247,000 | 95,251,000 |
| Allowance for loan losses | 926,000 | 947,000 | 968,000 | 989,000 |
| Securities available for sale | 40,063,000 | 39,436,000 | 40,087,000 | 38,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,486,000 | 122,828,000 | 126,485,000 | 122,770,000 |
| Interest-bearing deposits | 89,673,000 | 88,495,000 | 92,974,000 | 91,807,000 |
| Noninterest-bearing deposits | 35,813,000 | 34,333,000 | 33,511,000 | 30,963,000 |
| Equity capital | 17,220,000 | 17,439,000 | 18,888,000 | 18,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,785,000 | 3,589,000 | 5,415,000 | 7,360,000 |
| Interest expense | 523,000 | 1,078,000 | 1,672,000 | 2,319,000 |
| Net interest income | 1,262,000 | 2,511,000 | 3,743,000 | 5,041,000 |
| Noninterest income | 203,000 | 415,000 | 621,000 | 825,000 |
| Noninterest expense | 928,000 | 1,855,000 | 2,808,000 | 3,776,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 516,000 | 1,029,000 | 1,493,000 | 2,006,000 |
| Income tax | 116,000 | 220,000 | 321,000 | 409,000 |
| Net income | 400,000 | 809,000 | 1,172,000 | 1,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,488,000 | 21,897,000 | 22,261,000 | 22,686,000 |