Call reports 2012
IROQUOIS FARMERS STATE BANK — 2012
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 88,981,000 | 86,622,000 | 85,423,000 | 88,072,000 |
| Total loans | 41,066,000 | 42,527,000 | 45,225,000 | 46,889,000 |
| Allowance for loan losses | 329,000 | 296,000 | 295,000 | 324,000 |
| Securities available for sale | 30,445,000 | 29,736,000 | 27,819,000 | 23,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,236,000 | 77,817,000 | 75,567,000 | 79,348,000 |
| Interest-bearing deposits | 63,658,000 | 63,222,000 | 61,148,000 | 62,137,000 |
| Noninterest-bearing deposits | 16,578,000 | 14,595,000 | 14,419,000 | 17,211,000 |
| Equity capital | 8,400,000 | 8,432,000 | 8,471,000 | 8,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 669,000 | 1,351,000 | 2,041,000 | 2,722,000 |
| Interest expense | 66,000 | 118,000 | 166,000 | 213,000 |
| Net interest income | 603,000 | 1,233,000 | 1,875,000 | 2,509,000 |
| Noninterest income | 62,000 | 135,000 | 197,000 | 264,000 |
| Noninterest expense | 478,000 | 963,000 | 1,454,000 | 1,963,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 130,000 |
| Pretax income | 181,000 | 393,000 | 600,000 | 680,000 |
| Income tax | 5,000 | 8,000 | 11,000 | 12,000 |
| Net income | 176,000 | 385,000 | 589,000 | 668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,231,000 | 8,229,000 | 8,233,000 | 8,237,000 |
| Total capital | 8,560,000 | 8,525,000 | 8,528,000 | 8,561,000 |
| Risk-weighted assets | 49,559,000 | 50,761,000 | 52,446,000 | 54,038,000 |