Call reports 2006
IROQUOIS FARMERS STATE BANK — 2006
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 32,776,000 | 33,042,000 | 33,701,000 | 35,088,000 |
| Total loans | 21,148,000 | 21,309,000 | 22,874,000 | 21,213,000 |
| Allowance for loan losses | 162,000 | 162,000 | 162,000 | 144,000 |
| Securities available for sale | 7,326,000 | 6,654,000 | 6,433,000 | 5,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,841,000 | 28,080,000 | 28,583,000 | 30,109,000 |
| Interest-bearing deposits | 23,329,000 | 23,413,000 | 23,961,000 | 23,762,000 |
| Noninterest-bearing deposits | 4,512,000 | 4,667,000 | 4,622,000 | 6,347,000 |
| Equity capital | 4,790,000 | 4,764,000 | 4,852,000 | 4,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 426,000 | 852,000 | 1,298,000 | 1,758,000 |
| Interest expense | 126,000 | 270,000 | 437,000 | 609,000 |
| Net interest income | 300,000 | 582,000 | 861,000 | 1,149,000 |
| Noninterest income | 23,000 | 47,000 | 73,000 | 101,000 |
| Noninterest expense | 233,000 | 460,000 | 691,000 | 811,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 90,000 | 169,000 | 243,000 | 439,000 |
| Income tax | 0 | 0 | 1,000 | 2,000 |
| Net income | 90,000 | 169,000 | 242,000 | 437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,931,000 | 4,926,000 | 4,935,000 | 4,940,000 |
| Total capital | 5,093,000 | 5,088,000 | 5,097,000 | 5,084,000 |
| Risk-weighted assets | 23,065,000 | 23,353,000 | 24,952,000 | 24,745,000 |