Call reports 2007
IROQUOIS FARMERS STATE BANK — 2007
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 35,012,000 | 34,783,000 | 36,087,000 | 37,850,000 |
| Total loans | 20,978,000 | 21,767,000 | 23,674,000 | 22,951,000 |
| Allowance for loan losses | 144,000 | 142,000 | 142,000 | 140,000 |
| Securities available for sale | 6,071,000 | 5,716,000 | 7,221,000 | 7,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,938,000 | 29,681,000 | 30,254,000 | 32,111,000 |
| Interest-bearing deposits | 25,463,000 | 25,309,000 | 26,301,000 | 25,165,000 |
| Noninterest-bearing deposits | 4,475,000 | 4,372,000 | 3,953,000 | 6,946,000 |
| Equity capital | 4,891,000 | 4,876,000 | 4,934,000 | 4,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 493,000 | 1,002,000 | 1,544,000 | 2,091,000 |
| Interest expense | 195,000 | 398,000 | 603,000 | 815,000 |
| Net interest income | 298,000 | 604,000 | 941,000 | 1,276,000 |
| Noninterest income | 28,000 | 59,000 | 85,000 | 107,000 |
| Noninterest expense | 252,000 | 493,000 | 736,000 | 924,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 74,000 | 170,000 | 290,000 | 459,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 4,000 |
| Net income | 73,000 | 168,000 | 287,000 | 455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,936,000 | 4,942,000 | 4,949,000 | 4,942,000 |
| Total capital | 5,080,000 | 5,084,000 | 5,091,000 | 5,082,000 |
| Risk-weighted assets | 23,864,000 | 24,446,000 | 26,420,000 | 25,792,000 |