Call reports 2014
IROQUOIS FARMERS STATE BANK — 2014
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 92,100,000 | 88,989,000 | 87,557,000 | 88,586,000 |
| Total loans | 43,660,000 | 45,059,000 | 47,587,000 | 50,697,000 |
| Allowance for loan losses | 306,000 | 305,000 | 291,000 | 317,000 |
| Securities available for sale | 29,422,000 | 29,743,000 | 27,443,000 | 25,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,526,000 | 80,298,000 | 78,839,000 | 78,100,000 |
| Interest-bearing deposits | 65,474,000 | 64,258,000 | 63,850,000 | 61,036,000 |
| Noninterest-bearing deposits | 18,052,000 | 16,040,000 | 14,989,000 | 17,064,000 |
| Equity capital | 8,198,000 | 8,275,000 | 8,228,000 | 8,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 626,000 | 1,255,000 | 1,892,000 | 2,541,000 |
| Interest expense | 27,000 | 54,000 | 80,000 | 105,000 |
| Net interest income | 599,000 | 1,201,000 | 1,812,000 | 2,436,000 |
| Noninterest income | 58,000 | 92,000 | 153,000 | 211,000 |
| Noninterest expense | 500,000 | 1,002,000 | 1,490,000 | 1,984,000 |
| Provision for loan losses | 6,000 | 12,000 | 31,000 | 57,000 |
| Pretax income | 151,000 | 282,000 | 447,000 | 609,000 |
| Income tax | 0 | 2,000 | 4,000 | 6,000 |
| Net income | 151,000 | 280,000 | 443,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,365,000 | 8,363,000 | 8,356,000 | 8,372,000 |
| Total capital | 8,671,000 | 8,668,000 | 8,647,000 | 8,689,000 |
| Risk-weighted assets | 53,397,000 | 53,910,000 | 55,060,000 | 52,431,000 |