Call reports 2005
IROQUOIS FARMERS STATE BANK — 2005
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 33,094,000 | 33,559,000 | 34,055,000 | 35,349,000 |
| Total loans | 20,267,000 | 21,048,000 | 22,160,000 | 22,253,000 |
| Allowance for loan losses | 179,000 | 154,000 | 154,000 | 161,000 |
| Securities available for sale | 8,512,000 | 8,344,000 | 7,578,000 | 7,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,107,000 | 28,569,000 | 29,009,000 | 30,483,000 |
| Interest-bearing deposits | 23,267,000 | 23,560,000 | 24,870,000 | 24,189,000 |
| Noninterest-bearing deposits | 4,840,000 | 5,009,000 | 4,139,000 | 6,294,000 |
| Equity capital | 4,875,000 | 4,831,000 | 4,813,000 | 4,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 392,000 | 797,000 | 1,214,000 | 1,646,000 |
| Interest expense | 78,000 | 162,000 | 264,000 | 380,000 |
| Net interest income | 314,000 | 635,000 | 950,000 | 1,266,000 |
| Noninterest income | 23,000 | 50,000 | 77,000 | 101,000 |
| Noninterest expense | 240,000 | 471,000 | 709,000 | 881,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 97,000 | 214,000 | 318,000 | 476,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 4,000 |
| Net income | 96,000 | 213,000 | 316,000 | 472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,022,000 | 4,924,000 | 4,927,000 | 4,933,000 |
| Total capital | 5,201,000 | 5,078,000 | 5,081,000 | 5,094,000 |
| Risk-weighted assets | 23,176,000 | 23,828,000 | 24,504,000 | 24,483,000 |