Call reports 2019
IROQUOIS FARMERS STATE BANK — 2019
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 111,778,000 | 108,713,000 | 113,303,000 | 111,060,000 |
| Total loans | 62,214,000 | 63,319,000 | 65,187,000 | 65,353,000 |
| Allowance for loan losses | 348,000 | 419,000 | 357,000 | 346,000 |
| Securities available for sale | 19,510,000 | 18,237,000 | 18,078,000 | 14,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,904,000 | 97,740,000 | 102,190,000 | 99,946,000 |
| Interest-bearing deposits | 76,096,000 | 76,206,000 | 78,465,000 | 71,844,000 |
| Noninterest-bearing deposits | 24,808,000 | 21,534,000 | 23,725,000 | 28,102,000 |
| Equity capital | 10,276,000 | 10,443,000 | 10,502,000 | 10,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 959,000 | 1,919,000 | 2,908,000 | 3,903,000 |
| Interest expense | 66,000 | 139,000 | 219,000 | 307,000 |
| Net interest income | 893,000 | 1,780,000 | 2,689,000 | 3,596,000 |
| Noninterest income | 78,000 | 164,000 | 254,000 | 314,000 |
| Noninterest expense | 623,000 | 1,270,000 | 1,932,000 | 2,582,000 |
| Provision for loan losses | 60,000 | 135,000 | 215,000 | 260,000 |
| Pretax income | 288,000 | 539,000 | 796,000 | 1,068,000 |
| Income tax | 4,000 | 8,000 | 13,000 | 16,000 |
| Net income | 284,000 | 531,000 | 783,000 | 1,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,438,000 | 10,462,000 | 10,497,000 | 10,516,000 |
| Total capital | 10,786,000 | 10,881,000 | 10,854,000 | 10,862,000 |
| Risk-weighted assets | 72,987,000 | 73,080,000 | 74,952,000 | 74,753,000 |