St Johnstone chief Steve Brown has warned the full financial impact of the pandemic on Scottish football has still to be felt.Reporting a £20,000 loss for the year through to May 2020, the Perth chairman admitted he is braced for a serious hit this season, with no sign of fans being allowed back into stadiums.Top flight rivals Kilmarnock have already indicated they are seeking a £1 million loan from the Scottish Government’s emergency sports fund to pay the bills.But after building-up a healthy £2.8m “rainy day fund”, Saints are better placed than most to ride out the storm.“The cash at the bank shows a healthy figure.