Call reports 2018
IROQUOIS FEDERAL SAVINGS AND LOAN ASSOCIATION — 2018
What IROQUOIS FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 619,310,000 | 638,923,000 | 655,454,000 | 664,274,000 |
| Total loans | 464,045,000 | 482,424,000 | 490,645,000 | 500,559,000 |
| Allowance for loan losses | 5,703,000 | 5,945,000 | 6,181,000 | 6,319,000 |
| Securities available for sale | 121,721,000 | 125,996,000 | 126,241,000 | 127,648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,708,000 | 489,793,000 | 500,563,000 | 498,089,000 |
| Interest-bearing deposits | 454,592,000 | 458,946,000 | 468,453,000 | 470,766,000 |
| Noninterest-bearing deposits | 35,116,000 | 30,847,000 | 32,110,000 | 27,323,000 |
| Equity capital | 69,482,000 | 69,945,000 | 69,833,000 | 72,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,675,000 | 11,656,000 | 18,075,000 | 24,733,000 |
| Interest expense | 1,401,000 | 3,070,000 | 5,062,000 | 7,263,000 |
| Net interest income | 4,274,000 | 8,586,000 | 13,013,000 | 17,470,000 |
| Noninterest income | 913,000 | 1,945,000 | 3,224,000 | 4,266,000 |
| Noninterest expense | 3,773,000 | 8,083,000 | 12,276,000 | 16,541,000 |
| Provision for loan losses | 109,000 | 418,000 | 655,000 | 793,000 |
| Pretax income | 1,305,000 | 2,030,000 | 3,306,000 | 4,402,000 |
| Income tax | 290,000 | 518,000 | 862,000 | 1,148,000 |
| Net income | 1,015,000 | 1,512,000 | 2,444,000 | 3,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,370,000 | 73,053,000 | 74,159,000 | 75,162,000 |
| Total capital | 78,073,000 | 78,998,000 | 80,340,000 | 81,481,000 |
| Risk-weighted assets | 464,027,000 | 490,955,000 | 506,524,000 | 509,041,000 |