Call reports 2003
IROQUOIS FARMERS STATE BANK — 2003
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 34,960,000 | 35,148,000 | 34,228,000 | 32,730,000 |
| Total loans | 18,326,000 | 17,722,000 | 19,124,000 | 19,153,000 |
| Allowance for loan losses | 186,000 | 186,000 | 187,000 | 183,000 |
| Securities available for sale | 11,124,000 | 11,233,000 | 11,156,000 | 9,767,000 |
| Securities held to maturity | 145,000 | 145,000 | 145,000 | 145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,674,000 | 29,792,000 | 28,982,000 | 27,693,000 |
| Interest-bearing deposits | 25,678,000 | 25,557,000 | 25,236,000 | 23,028,000 |
| Noninterest-bearing deposits | 3,996,000 | 4,235,000 | 3,746,000 | 4,665,000 |
| Equity capital | 5,154,000 | 5,185,000 | 5,020,000 | 4,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 454,000 | 897,000 | 1,334,000 | 1,744,000 |
| Interest expense | 143,000 | 273,000 | 387,000 | 488,000 |
| Net interest income | 311,000 | 624,000 | 947,000 | 1,256,000 |
| Noninterest income | 30,000 | 60,000 | 87,000 | 105,000 |
| Noninterest expense | 220,000 | 447,000 | 672,000 | 848,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 122,000 | 239,000 | 364,000 | 515,000 |
| Income tax | 3,000 | 6,000 | 7,000 | 8,000 |
| Net income | 119,000 | 233,000 | 357,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,922,000 | 4,920,000 | 4,904,000 | 4,922,000 |
| Total capital | 5,108,000 | 5,106,000 | 5,091,000 | 5,105,000 |
| Risk-weighted assets | 22,611,000 | 21,934,000 | 22,825,000 | 23,167,000 |