Call reports 2019
IROQUOIS FEDERAL SAVINGS AND LOAN ASSOCIATION — 2019
What IROQUOIS FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 662,525,000 | 723,870,000 | 678,205,000 | 678,216,000 |
| Total loans | 498,882,000 | 494,102,000 | 497,243,000 | 496,703,000 |
| Allowance for loan losses | 6,378,000 | 6,328,000 | 6,277,000 | 6,222,000 |
| Securities available for sale | 130,927,000 | 146,291,000 | 147,975,000 | 146,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 523,409,000 | 611,827,000 | 559,598,000 | 551,932,000 |
| Interest-bearing deposits | 495,425,000 | 526,580,000 | 523,024,000 | 522,720,000 |
| Noninterest-bearing deposits | 27,984,000 | 85,247,000 | 36,574,000 | 29,212,000 |
| Equity capital | 73,513,000 | 75,920,000 | 78,056,000 | 78,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,713,000 | 13,649,000 | 20,657,000 | 27,447,000 |
| Interest expense | 2,303,000 | 4,798,000 | 7,252,000 | 9,684,000 |
| Net interest income | 4,410,000 | 8,851,000 | 13,405,000 | 17,763,000 |
| Noninterest income | 767,000 | 1,829,000 | 2,894,000 | 4,126,000 |
| Noninterest expense | 3,996,000 | 8,132,000 | 12,283,000 | 16,474,000 |
| Provision for loan losses | 61,000 | 32,000 | -22,000 | -51,000 |
| Pretax income | 1,120,000 | 2,527,000 | 4,050,000 | 5,470,000 |
| Income tax | 294,000 | 674,000 | 1,091,000 | 1,486,000 |
| Net income | 826,000 | 1,853,000 | 2,959,000 | 3,984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,144,000 | 75,355,000 | 76,621,000 | 77,844,000 |
| Total capital | 80,457,000 | 81,624,000 | 82,898,000 | 84,066,000 |
| Risk-weighted assets | 505,002,000 | 501,493,000 | 512,699,000 | 509,817,000 |