Call reports 2025
SOUTHERN ILLINOIS BANK — 2025
What SOUTHERN ILLINOIS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 156,585,000 | 154,553,000 | 148,074,000 | 137,861,000 |
| Total loans | 93,106,000 | 88,257,000 | 85,841,000 | 81,424,000 |
| Allowance for loan losses | 1,000,000 | 894,000 | 893,000 | 935,000 |
| Securities available for sale | 38,075,000 | 38,167,000 | 37,939,000 | 36,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,484,000 | 128,641,000 | 121,146,000 | 115,878,000 |
| Interest-bearing deposits | 89,152,000 | 87,787,000 | 87,333,000 | 82,794,000 |
| Noninterest-bearing deposits | 32,332,000 | 40,854,000 | 33,813,000 | 33,084,000 |
| Equity capital | 18,767,000 | 19,604,000 | 20,639,000 | 21,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,931,000 | 3,938,000 | 5,640,000 | 7,335,000 |
| Interest expense | 669,000 | 1,311,000 | 1,833,000 | 2,292,000 |
| Net interest income | 1,262,000 | 2,627,000 | 3,807,000 | 5,043,000 |
| Noninterest income | 195,000 | 408,000 | 621,000 | 820,000 |
| Noninterest expense | 936,000 | 1,876,000 | 2,831,000 | 3,849,000 |
| Provision for loan losses | 21,000 | 44,000 | 68,000 | 92,000 |
| Pretax income | 500,000 | 1,115,000 | 1,529,000 | 1,922,000 |
| Income tax | 112,000 | 259,000 | 353,000 | 319,000 |
| Net income | 388,000 | 856,000 | 1,176,000 | 1,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,924,000 | 23,392,000 | 23,711,000 | 24,139,000 |