Call reports 2025
IROQUOIS FARMERS STATE BANK — 2025
What IROQUOIS FARMERS STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 164,391,000 | 167,990,000 | 171,820,000 | 168,081,000 |
| Total loans | 98,693,000 | 103,133,000 | 108,374,000 | 105,330,000 |
| Allowance for loan losses | 399,000 | 408,000 | 418,000 | 440,000 |
| Securities available for sale | 49,380,000 | 51,309,000 | 51,315,000 | 50,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,212,000 | 151,305,000 | 153,995,000 | 150,030,000 |
| Interest-bearing deposits | 114,527,000 | 119,914,000 | 123,094,000 | 118,076,000 |
| Noninterest-bearing deposits | 35,685,000 | 31,391,000 | 30,901,000 | 31,954,000 |
| Equity capital | 13,099,000 | 13,344,000 | 13,859,000 | 14,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,768,000 | 3,642,000 | 5,696,000 | 7,852,000 |
| Interest expense | 504,000 | 1,029,000 | 1,653,000 | 2,268,000 |
| Net interest income | 1,264,000 | 2,613,000 | 4,043,000 | 5,584,000 |
| Noninterest income | 48,000 | 98,000 | 150,000 | 194,000 |
| Noninterest expense | 784,000 | 1,605,000 | 2,501,000 | 3,408,000 |
| Provision for loan losses | 10,000 | 38,000 | 68,000 | 68,000 |
| Pretax income | 518,000 | 1,033,000 | 1,555,000 | 2,194,000 |
| Income tax | 44,000 | 77,000 | 122,000 | 142,000 |
| Net income | 474,000 | 956,000 | 1,433,000 | 2,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,000,000 | 13,901,000 | 14,071,000 | 14,667,000 |
| Total capital | 14,399,000 | 14,309,000 | 14,489,000 | 15,107,000 |
| Risk-weighted assets | 109,328,000 | 114,548,000 | 123,078,000 | 115,717,000 |