Call reports 2002
IROQUOIS FARMERS STATE BANK — 2002
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 33,245,000 | 32,667,000 | 33,044,000 | 35,111,000 |
| Total loans | 18,413,000 | 19,434,000 | 20,134,000 | 19,311,000 |
| Allowance for loan losses | 172,000 | 176,000 | 176,000 | 186,000 |
| Securities available for sale | 9,720,000 | 9,904,000 | 9,469,000 | 9,873,000 |
| Securities held to maturity | 199,000 | 198,000 | 197,000 | 196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,217,000 | 27,413,000 | 27,658,000 | 29,855,000 |
| Interest-bearing deposits | 24,391,000 | 23,726,000 | 24,056,000 | 24,836,000 |
| Noninterest-bearing deposits | 3,826,000 | 3,687,000 | 3,602,000 | 5,019,000 |
| Equity capital | 4,861,000 | 5,059,000 | 5,144,000 | 5,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 501,000 | 994,000 | 1,494,000 | 1,980,000 |
| Interest expense | 198,000 | 377,000 | 540,000 | 695,000 |
| Net interest income | 303,000 | 617,000 | 954,000 | 1,285,000 |
| Noninterest income | 10,000 | 44,000 | 80,000 | 109,000 |
| Noninterest expense | 226,000 | 449,000 | 668,000 | 894,000 |
| Provision for loan losses | 10,000 | 15,000 | 15,000 | 25,000 |
| Pretax income | 77,000 | 197,000 | 351,000 | 475,000 |
| Income tax | -3,000 | -2,000 | -1,000 | 1,000 |
| Net income | 80,000 | 199,000 | 352,000 | 474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,860,000 | 4,878,000 | 4,881,000 | 4,903,000 |
| Total capital | 5,032,000 | 5,054,000 | 5,057,000 | 5,089,000 |
| Risk-weighted assets | 22,515,000 | 22,915,000 | 23,485,000 | 23,635,000 |