Call reports 2009
IROQUOIS FARMERS STATE BANK — 2009
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 37,701,000 | 37,376,000 | 39,190,000 | 40,391,000 |
| Total loans | 21,159,000 | 21,948,000 | 22,974,000 | 23,734,000 |
| Allowance for loan losses | 145,000 | 141,000 | 138,000 | 138,000 |
| Securities available for sale | 9,113,000 | 8,765,000 | 9,546,000 | 9,063,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,510,000 | 32,179,000 | 33,334,000 | 34,362,000 |
| Interest-bearing deposits | 27,010,000 | 27,420,000 | 26,660,000 | 27,679,000 |
| Noninterest-bearing deposits | 5,500,000 | 4,759,000 | 6,674,000 | 6,683,000 |
| Equity capital | 5,021,000 | 4,974,000 | 4,976,000 | 5,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 433,000 | 857,000 | 1,287,000 | 1,709,000 |
| Interest expense | 112,000 | 222,000 | 331,000 | 433,000 |
| Net interest income | 321,000 | 635,000 | 956,000 | 1,276,000 |
| Noninterest income | 24,000 | 62,000 | 88,000 | 110,000 |
| Noninterest expense | 260,000 | 521,000 | 779,000 | 984,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 86,000 | 177,000 | 266,000 | 403,000 |
| Income tax | -2,000 | -1,000 | 0 | 0 |
| Net income | 88,000 | 178,000 | 266,000 | 403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,924,000 | 4,939,000 | 4,927,000 | 4,934,000 |
| Total capital | 5,069,000 | 5,080,000 | 5,065,000 | 5,072,000 |
| Risk-weighted assets | 25,506,000 | 25,737,000 | 26,703,000 | 28,006,000 |