Call reports 2013
IROQUOIS FARMERS STATE BANK — 2013
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 93,011,000 | 91,237,000 | 89,481,000 | 89,699,000 |
| Total loans | 40,657,000 | 41,830,000 | 46,701,000 | 48,221,000 |
| Allowance for loan losses | 306,000 | 308,000 | 311,000 | 303,000 |
| Securities available for sale | 24,403,000 | 29,565,000 | 30,396,000 | 29,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,235,000 | 82,818,000 | 80,620,000 | 79,734,000 |
| Interest-bearing deposits | 66,790,000 | 67,051,000 | 65,120,000 | 62,239,000 |
| Noninterest-bearing deposits | 17,445,000 | 15,767,000 | 15,500,000 | 17,495,000 |
| Equity capital | 8,438,000 | 8,033,000 | 8,081,000 | 8,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 598,000 | 1,225,000 | 1,888,000 | 2,563,000 |
| Interest expense | 43,000 | 78,000 | 111,000 | 141,000 |
| Net interest income | 555,000 | 1,147,000 | 1,777,000 | 2,422,000 |
| Noninterest income | 62,000 | 125,000 | 182,000 | 245,000 |
| Noninterest expense | 505,000 | 1,012,000 | 1,516,000 | 2,019,000 |
| Provision for loan losses | 6,000 | 12,000 | 68,000 | 74,000 |
| Pretax income | 107,000 | 250,000 | 377,000 | 576,000 |
| Income tax | 0 | 2,000 | 3,000 | 9,000 |
| Net income | 107,000 | 248,000 | 374,000 | 567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,254,000 | 8,240,000 | 8,366,000 | 8,369,000 |
| Total capital | 8,560,000 | 8,548,000 | 8,677,000 | 8,672,000 |
| Risk-weighted assets | 48,205,000 | 49,792,000 | 54,355,000 | 57,130,000 |