Call reports 2023
IROQUOIS FEDERAL SAVINGS AND LOAN ASSOCIATION — 2023
What IROQUOIS FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 842,968,000 | 849,055,000 | 870,774,000 | 910,846,000 |
| Total loans | 586,046,000 | 594,597,000 | 622,047,000 | 661,485,000 |
| Allowance for loan losses | 7,535,000 | 7,139,000 | 7,450,000 | 7,935,000 |
| Securities available for sale | 207,693,000 | 201,299,000 | 191,112,000 | 199,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 698,920,000 | 743,955,000 | 695,371,000 | 686,046,000 |
| Interest-bearing deposits | 644,828,000 | 627,747,000 | 644,425,000 | 632,611,000 |
| Noninterest-bearing deposits | 54,092,000 | 116,208,000 | 50,946,000 | 53,435,000 |
| Equity capital | 66,572,000 | 62,574,000 | 58,084,000 | 65,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 8,197,000 | 16,888,000 | 26,179,000 | 36,406,000 |
| Interest expense | 3,185,000 | 7,233,000 | 11,980,000 | 17,858,000 |
| Net interest income | 5,012,000 | 9,655,000 | 14,199,000 | 18,548,000 |
| Noninterest income | 929,000 | 1,971,000 | 3,098,000 | 4,012,000 |
| Noninterest expense | 4,774,000 | 10,171,000 | 14,979,000 | 19,613,000 |
| Provision for loan losses | 366,000 | -24,000 | 286,000 | 724,000 |
| Pretax income | 940,000 | 1,709,000 | 2,349,000 | 2,615,000 |
| Income tax | 216,000 | 388,000 | 562,000 | 619,000 |
| Net income | 724,000 | 1,321,000 | 1,787,000 | 1,996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,429,000 | 84,222,000 | 84,851,000 | 85,235,000 |