Call reports 2016
IROQUOIS FARMERS STATE BANK — 2016
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 85,640,000 | 85,775,000 | 84,051,000 | 104,707,000 |
| Total loans | 48,297,000 | 49,664,000 | 51,686,000 | 61,912,000 |
| Allowance for loan losses | 280,000 | 282,000 | 291,000 | 373,000 |
| Securities available for sale | 21,170,000 | 17,403,000 | 15,195,000 | 23,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,791,000 | 76,861,000 | 73,407,000 | 94,442,000 |
| Interest-bearing deposits | 61,067,000 | 60,412,000 | 57,429,000 | 71,545,000 |
| Noninterest-bearing deposits | 15,724,000 | 16,449,000 | 15,978,000 | 22,897,000 |
| Equity capital | 8,394,000 | 8,443,000 | 10,098,000 | 9,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 623,000 | 1,265,000 | 1,901,000 | 2,700,000 |
| Interest expense | 22,000 | 44,000 | 66,000 | 91,000 |
| Net interest income | 601,000 | 1,221,000 | 1,835,000 | 2,609,000 |
| Noninterest income | 48,000 | 105,000 | 143,000 | 205,000 |
| Noninterest expense | 488,000 | 966,000 | 1,504,000 | 2,167,000 |
| Provision for loan losses | 8,000 | 17,000 | 26,000 | 35,000 |
| Pretax income | 153,000 | 343,000 | 460,000 | 624,000 |
| Income tax | 2,000 | 3,000 | 6,000 | 8,000 |
| Net income | 151,000 | 340,000 | 454,000 | 616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,386,000 | 8,393,000 | 10,068,000 | 10,072,000 |
| Total capital | 8,666,000 | 8,675,000 | 10,359,000 | 10,445,000 |
| Risk-weighted assets | 52,288,000 | 53,350,000 | 58,358,000 | 70,019,000 |