Call reports 2004
IROQUOIS FARMERS STATE BANK — 2004
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 33,884,000 | 34,328,000 | 34,491,000 | 34,197,000 |
| Total loans | 18,809,000 | 20,461,000 | 20,017,000 | 20,344,000 |
| Allowance for loan losses | 178,000 | 178,000 | 178,000 | 179,000 |
| Securities available for sale | 9,779,000 | 9,649,000 | 9,230,000 | 8,925,000 |
| Securities held to maturity | 145,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,732,000 | 29,337,000 | 29,360,000 | 29,272,000 |
| Interest-bearing deposits | 24,323,000 | 25,326,000 | 25,151,000 | 23,287,000 |
| Noninterest-bearing deposits | 4,409,000 | 4,011,000 | 4,209,000 | 5,985,000 |
| Equity capital | 5,039,000 | 4,836,000 | 4,914,000 | 4,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 393,000 | 787,000 | 1,181,000 | 1,575,000 |
| Interest expense | 85,000 | 165,000 | 246,000 | 325,000 |
| Net interest income | 308,000 | 622,000 | 935,000 | 1,250,000 |
| Noninterest income | 28,000 | 53,000 | 82,000 | 108,000 |
| Noninterest expense | 234,000 | 458,000 | 689,000 | 869,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 102,000 | 217,000 | 328,000 | 489,000 |
| Income tax | 2,000 | 4,000 | 5,000 | 5,000 |
| Net income | 100,000 | 213,000 | 323,000 | 484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,921,000 | 4,919,000 | 4,919,000 | 4,926,000 |
| Total capital | 5,099,000 | 5,097,000 | 5,097,000 | 5,105,000 |
| Risk-weighted assets | 22,660,000 | 23,671,000 | 23,134,000 | 24,170,000 |