Call reports 2016
IROQUOIS FEDERAL SAVINGS AND LOAN ASSOCIATION — 2016
What IROQUOIS FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 583,894,000 | 595,331,000 | 588,445,000 | 580,068,000 |
| Total loans | 434,865,000 | 449,099,000 | 445,371,000 | 442,052,000 |
| Allowance for loan losses | 5,253,000 | 5,351,000 | 5,445,000 | 5,387,000 |
| Securities available for sale | 118,514,000 | 121,328,000 | 113,321,000 | 112,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 434,625,000 | 447,298,000 | 436,057,000 | 438,832,000 |
| Interest-bearing deposits | 400,851,000 | 414,431,000 | 404,346,000 | 406,883,000 |
| Noninterest-bearing deposits | 33,774,000 | 32,867,000 | 31,711,000 | 31,949,000 |
| Equity capital | 66,299,000 | 67,997,000 | 69,021,000 | 68,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,148,000 | 10,517,000 | 15,934,000 | 21,272,000 |
| Interest expense | 859,000 | 1,822,000 | 2,756,000 | 3,660,000 |
| Net interest income | 4,289,000 | 8,695,000 | 13,178,000 | 17,612,000 |
| Noninterest income | 811,000 | 1,636,000 | 2,646,000 | 3,665,000 |
| Noninterest expense | 3,450,000 | 6,976,000 | 10,436,000 | 14,037,000 |
| Provision for loan losses | 255,000 | 479,000 | 557,000 | 512,000 |
| Pretax income | 1,510,000 | 3,194,000 | 5,266,000 | 7,163,000 |
| Income tax | 551,000 | 1,168,000 | 1,938,000 | 2,643,000 |
| Net income | 959,000 | 2,026,000 | 3,328,000 | 4,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,571,000 | 65,808,000 | 67,257,000 | 68,620,000 |
| Total capital | 69,824,000 | 71,159,000 | 72,697,000 | 74,007,000 |
| Risk-weighted assets | 441,392,000 | 441,341,000 | 435,273,000 | 435,847,000 |