Call reports 2022
IROQUOIS FARMERS STATE BANK — 2022
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 153,220,000 | 149,575,000 | 150,058,000 | 151,384,000 |
| Total loans | 70,656,000 | 77,854,000 | 87,728,000 | 90,856,000 |
| Allowance for loan losses | 410,000 | 431,000 | 455,000 | 469,000 |
| Securities available for sale | 44,311,000 | 47,325,000 | 45,690,000 | 45,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,401,000 | 140,925,000 | 133,852,000 | 143,262,000 |
| Interest-bearing deposits | 106,684,000 | 107,326,000 | 100,727,000 | 104,497,000 |
| Noninterest-bearing deposits | 36,717,000 | 33,599,000 | 33,125,000 | 38,765,000 |
| Equity capital | 9,084,000 | 8,128,000 | 7,102,000 | 7,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 873,000 | 1,835,000 | 2,936,000 | 4,170,000 |
| Interest expense | 36,000 | 71,000 | 135,000 | 412,000 |
| Net interest income | 837,000 | 1,764,000 | 2,801,000 | 3,758,000 |
| Noninterest income | 67,000 | 136,000 | 212,000 | 274,000 |
| Noninterest expense | 645,000 | 1,298,000 | 1,974,000 | 2,669,000 |
| Provision for loan losses | 5,000 | 20,000 | 45,000 | 58,000 |
| Pretax income | 254,000 | 582,000 | 979,000 | 1,290,000 |
| Income tax | 10,000 | 38,000 | 66,000 | 94,000 |
| Net income | 244,000 | 544,000 | 913,000 | 1,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,307,000 | 11,356,000 | 11,779,000 | 11,518,000 |
| Total capital | 11,717,000 | 11,787,000 | 12,234,000 | 11,987,000 |
| Risk-weighted assets | 94,015,000 | 96,981,000 | 104,310,000 | 110,321,000 |