Financial Highlights

Financial Highlights
2020 FQ1 YTD
9/30/2019
2019 FY
6/30/2019
2018 FY
6/30/2018
2017 FY
6/30/2017
2016 FY
6/30/2016
Balance Sheet ($000)
Total Assets 678,204 723,870 638,923 585,474 595,565
Total Net Loans 490,966 487,774 476,480 440,322 443,748
Total Deposits 556,477 607,023 480,421 439,146 433,708
Equity Attributable to Parent Company 77,287 82,461 81,675 83,969 83,972
Total Equity 77,287 82,461 81,675 83,969 83,972
Profitability (%)
Net Income($000) 1,100 3,558 1,738 3,919 3,566
Net Income Attributable to Parent($000) 1,100 3,558 1,738 3,919 3,566
ROAA 0.64 0.53 0.28 0.67 0.62
Core ROAA 0.64 0.53 0.49 0.57 0.55
ROAE 5.41 4.41 2.09 4.69 4.35
ROATCE 5.41 4.41 2.09 4.69 4.35
Core ROAE 5.41 4.40 3.67 3.99 3.86
Net Interest Margin 2.79 2.78 2.93 3.14 3.11
Reported: Net Interest Margin 2.79 2.78 2.93 3.14 3.11
Efficiency Ratio 74.14 76.18 75.70 67.53 69.19
Noninterest Inc/ Operating Rev 18.87 18.84 18.98 17.75 16.92
Balance Sheet Ratios (%)
Loans/ Deposits 89.36 81.35 100.37 101.78 103.55
Securities/ Assets 22 20.37 20.23 19.50 21.28
Total Equity/ Total Assets 11.40 11.39 12.78 14.34 14.10
Tangible Equity/ Tangible Assets 11.40 11.39 12.78 14.34 14.10
Tang Common Equity/ Tang Assets 11.40 11.39 12.78 14.34 14.10
Asset Quality (%)
NPAs/ Assets 0.38 0.36 1.48 2.05 0.77
NPA Excl Restructured/ Assets 0.16 0.18 1.06 1.68 0.42
NPAs & 90+ PD/ Assets 0.45 0.39 1.52 2.08 0.77
NPAs/ Loans & REO 0.52 0.53 1.95 2.69 1.02
Nonaccrual & 90+ & OREO/ Assets 0.23 0.21 1.10 1.70 0.42
NPAs & 90+ PD/ Loans & REO 0.61 0.58 2.01 2.72 1.03
NPA & Loans 90+/ Tangible Common Equity + LLR 3.63 3.22 11.10 13.41 5.16
NCOs/ Avg Loans 0 0 0.35 0.05 0.05
Loan Loss Reserves/ Gross Loans 1.26 1.28 1.23 1.53 1.19
Reserves/ NPAs 243.29 240.70 63.05 56.84 116.33
Loan Loss Provision/ NCO NM NM 46.61 NM 604.42
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA 16.30 17.30 18.80 18.50
Tier 1 Ratio(%) NA 16.30 17.30 18.80 18.50
Total Capital Ratio(%) NA 17.60 18.48 20.09 19.70
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 11.90 13.40 14.30 14.40
Basel III Leverage Ratio(%) NA NA NA NA NA
Pre-Provision Earnings per Share 0.35 1.18 1.12 1.23 1.10
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


© 2019 Iroquois Federal Savings and Loan

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