Call reports 2011
IROQUOIS FARMERS STATE BANK — 2011
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 82,858,000 | 81,710,000 | 82,871,000 | 84,917,000 |
| Total loans | 38,749,000 | 42,652,000 | 44,540,000 | 45,478,000 |
| Allowance for loan losses | 331,000 | 330,000 | 336,000 | 324,000 |
| Securities available for sale | 30,997,000 | 29,423,000 | 29,049,000 | 27,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,281,000 | 72,860,000 | 73,686,000 | 76,217,000 |
| Interest-bearing deposits | 60,366,000 | 60,191,000 | 60,425,000 | 60,483,000 |
| Noninterest-bearing deposits | 13,915,000 | 12,669,000 | 13,261,000 | 15,734,000 |
| Equity capital | 8,235,000 | 8,474,000 | 8,479,000 | 8,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 702,000 | 1,439,000 | 2,193,000 | 2,915,000 |
| Interest expense | 106,000 | 199,000 | 286,000 | 366,000 |
| Net interest income | 596,000 | 1,240,000 | 1,907,000 | 2,549,000 |
| Noninterest income | 74,000 | 151,000 | 227,000 | 298,000 |
| Noninterest expense | 491,000 | 984,000 | 1,477,000 | 1,948,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 173,000 | 395,000 | 647,000 | 884,000 |
| Income tax | 3,000 | 4,000 | 6,000 | 8,000 |
| Net income | 170,000 | 391,000 | 641,000 | 876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,254,000 | 8,250,000 | 8,241,000 | 8,226,000 |
| Total capital | 8,585,000 | 8,580,000 | 8,577,000 | 8,550,000 |
| Risk-weighted assets | 48,172,000 | 49,661,000 | 51,291,000 | 53,277,000 |