Call reports 2015
IROQUOIS FARMERS STATE BANK — 2015
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 87,347,000 | 84,935,000 | 85,213,000 | 87,500,000 |
| Total loans | 46,512,000 | 48,403,000 | 49,453,000 | 51,038,000 |
| Allowance for loan losses | 318,000 | 319,000 | 323,000 | 321,000 |
| Securities available for sale | 25,495,000 | 22,709,000 | 22,687,000 | 19,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,371,000 | 76,132,000 | 75,786,000 | 78,762,000 |
| Interest-bearing deposits | 62,036,000 | 61,409,000 | 60,949,000 | 60,676,000 |
| Noninterest-bearing deposits | 16,335,000 | 14,723,000 | 14,837,000 | 18,086,000 |
| Equity capital | 8,552,000 | 8,360,000 | 8,409,000 | 8,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 618,000 | 1,244,000 | 1,884,000 | 2,517,000 |
| Interest expense | 23,000 | 46,000 | 68,000 | 91,000 |
| Net interest income | 595,000 | 1,198,000 | 1,816,000 | 2,426,000 |
| Noninterest income | 54,000 | 110,000 | 170,000 | 231,000 |
| Noninterest expense | 487,000 | 962,000 | 1,453,000 | 1,941,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 156,000 | 334,000 | 515,000 | 692,000 |
| Income tax | -1,000 | 1,000 | 4,000 | 8,000 |
| Net income | 157,000 | 333,000 | 511,000 | 684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,506,000 | 8,378,000 | 8,376,000 | 8,385,000 |
| Total capital | 8,824,000 | 8,697,000 | 8,699,000 | 8,706,000 |
| Risk-weighted assets | 45,531,000 | 47,929,000 | 59,292,000 | 54,886,000 |