Call reports 2015
IROQUOIS FEDERAL SAVINGS AND LOAN ASSOCIATION — 2015
What IROQUOIS FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 549,198,000 | 563,172,000 | 557,576,000 | 559,884,000 |
| Total loans | 342,476,000 | 360,405,000 | 394,029,000 | 418,889,000 |
| Allowance for loan losses | 4,111,000 | 4,211,000 | 4,667,000 | 5,050,000 |
| Securities available for sale | 176,123,000 | 170,630,000 | 132,239,000 | 116,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,556,000 | 426,707,000 | 418,524,000 | 416,727,000 |
| Interest-bearing deposits | 397,591,000 | 391,792,000 | 390,895,000 | 388,322,000 |
| Noninterest-bearing deposits | 31,965,000 | 34,915,000 | 27,629,000 | 28,405,000 |
| Equity capital | 66,944,000 | 66,485,000 | 68,256,000 | 68,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,720,000 | 9,502,000 | 14,410,000 | 19,358,000 |
| Interest expense | 817,000 | 1,637,000 | 2,437,000 | 3,232,000 |
| Net interest income | 3,903,000 | 7,865,000 | 11,973,000 | 16,126,000 |
| Noninterest income | 794,000 | 1,654,000 | 2,582,000 | 3,493,000 |
| Noninterest expense | 3,299,000 | 6,663,000 | 10,126,000 | 13,720,000 |
| Provision for loan losses | 18,000 | 219,000 | 699,000 | 1,106,000 |
| Pretax income | 1,381,000 | 2,654,000 | 3,897,000 | 5,112,000 |
| Income tax | 475,000 | 953,000 | 1,392,000 | 1,826,000 |
| Net income | 906,000 | 1,701,000 | 2,505,000 | 3,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,558,000 | 65,486,000 | 66,436,000 | 67,468,000 |
| Total capital | 68,669,000 | 69,697,000 | 71,103,000 | 72,518,000 |
| Risk-weighted assets | 328,840,000 | 360,524,000 | 382,390,000 | 415,486,000 |