Financial Highlights

Financial Highlights
2019 FQ1 YTD
9/30/2018
2018 FY
6/30/2018
2017 FY
6/30/2017
2016 FY
6/30/2016
2015 FY
6/30/2015
Balance Sheet ($000)
Total Assets 655,454 638,923 585,474 595,565 563,668
Total Net Loans 484,464 476,480 440,322 443,748 356,194
Total Deposits 490,803 480,421 439,146 433,708 415,544
Equity Attributable to Parent Company 81,081 81,675 83,969 83,972 80,436
Total Equity 81,081 81,675 83,969 83,972 80,436
Profitability (%)
Net Income($000) 934 1,738 3,919 3,566 3,274
Net Income Attributable to Parent($000) 934 1,738 3,919 3,566 3,274
ROAA 0.58 0.28 0.67 0.62 0.60
Core ROAA 0.58 0.49 0.57 0.55 0.60
ROAE 4.57 2.09 4.69 4.35 3.92
ROATCE 4.57 2.09 4.69 4.35 3.92
Core ROAE 4.57 3.67 3.99 3.86 3.94
Net Interest Margin 2.85 2.93 3.14 3.11 2.98
Reported: Net Interest Margin 2.85 2.93 3.14 3.11 2.98
Efficiency Ratio 75.16 75.70 67.53 69.19 70.03
Noninterest Inc/ Operating Rev 20.60 18.98 17.75 16.92 17.59
Balance Sheet Ratios (%)
Loans/ Deposits 99.97 100.37 101.78 103.55 86.71
Securities/ Assets 19.81 20.23 19.50 21.28 31.23
Total Equity/ Total Assets 12.37 12.78 14.34 14.10 14.27
Tangible Equity/ Tangible Assets 12.37 12.78 14.34 14.10 14.27
Tang Common Equity/ Tang Assets 12.37 12.78 14.34 14.10 14.27
Asset Quality (%)
NPAs/ Assets 1.18 1.48 2.05 0.77 0.88
NPA Excl Restructured/ Assets 0.79 1.06 1.68 0.42 0.55
NPAs & 90+ PD/ Assets 1.22 1.52 2.08 0.77 0.88
NPAs/ Loans & REO 1.56 1.95 2.69 1.02 1.37
Nonaccrual & 90+ & OREO/ Assets 0.83 1.10 1.70 0.42 0.55
NPAs & 90+ PD/ Loans & REO 1.62 2.01 2.72 1.03 1.38
NPA & Loans 90+/ Tangible Common Equity + LLR 9.18 11.10 13.41 5.16 5.87
NCOs/ Avg Loans 0 0.35 0.05 0.05 0.06
Loan Loss Reserves/ Gross Loans 1.26 1.23 1.53 1.19 1.17
Reserves/ NPAs 79.88 63.05 56.84 116.33 85.07
Loan Loss Provision/ NCO NM 46.61 NM 604.42 222.22
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA 79,437
Tier 1 Capital($000) NA NA NA NA 79,437
Tier 2 Capital($000) NA NA NA NA 4,211
Total Capital($000) NA NA NA NA 83,648
Total Risk-weighted Assets($000) NA NA NA NA 360,913
Tier 1 Common Capital (CET1) Ratio(%) 16.90 17.30 18.80 18.50 22.01
Tier 1 Ratio(%) 16.90 17.30 18.80 18.50 22.01
Total Capital Ratio(%) 18.10 18.48 20.10 19.70 23.18
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 13 13.40 14.30 14.40 14.45
Basel III Leverage Ratio(%) NA NA NA NA NA
Pre-Provision Earnings per Share 0.32 1.12 1.23 1.10 0.92
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
Excel download Email page PDF view Print view Email Alert Social media sharing

Deposit products offered by Iroquois Federal Saving and Loan. Equal Housing Lender Member FDIC. Member FDIC.

Insurance Products/services available through Iroquois Insurance, a subsidiary of Iroquois Federal.

Not a Deposit • Not insured by FDIC or any other governmental agency • May Lose Value • Not guaranteed by Iroquois Federal • Subject to risk


© 2018 Iroquois Federal Savings and Loan

About Us · Contact Us · Branch Locations · Investor Relations · Privacy Policy · Disclosures · Terms of Use · Security · Home