Financial insights of IROQ

MyFinsight

For the quarter ending 2025-12-31.

Income Overview

Net Income
$1,328K
EPS
$0.41
Unit: Thousand (K) dollars

Income Statement	2025-12-31	2025-09-30	2025-06-30	2025-03-31
Interest and fees on loans	9,026	9,485	9,596*	9,214
Taxable	1,316	1,344	1,288*	1,245
Tax-exempt	13	13	25*	20
Federal home loan bank dividends	110	123	112*	117
Deposits with other financial institutions	70	127	61*	49
Total interest and dividend income	10,535	11,092	11,081*	10,645
Deposits	3,918	4,098	4,258*	4,319
Federal home loan bank advances and repurchase agreements	644	810	1,022*	1,093
Line of credit and other borrowings	2	1	55*	9
Total interest expense	4,564	4,909	5,334*	5,421
Net interest income	5,971	6,183	5,747*	5,224
Provision (credit) for credit losses	34	-42	-881*	-262
Net interest income after provision (credit) for credit losses	5,937	6,225	6,628*	5,486
Noninterest income-Deposit Account	148	132	130*	-
Noninterest income-Financial Service Other	76	75	64*	-
Insurance commissions	208	187	146*	297
Brokerage commissions	203	198	189*	176
Net realized losss (gaines) on sales of available-for-sale securities	0	-114	142*	-
Mortgage banking income, net	89	86	148*	58
Gain on sale of loans	152	116	67*	55
Noninterest income	-	-	-	173
Bank-owned life insurance income, net	118	118	116*	113
Other	366	344	67*	304
Total noninterest income	1,360	1,142	1,068*	1,176
Compensation and benefits	3,135	3,380	3,426*	3,447
Office occupancy	263	286	240*	275
Equipment	560	603	579*	560
Federal deposit insurance	88	89	101*	118
Stationary, printing and office	30	25	23*	28
Advertising	96	112	82*	99
Professional services	673	146	150*	111
Supervisory examination	29	9	37*	27
Audit and accounting services	20	90	23*	19
Organizational dues and subscriptions	6	22	-13*	24
Insurance bond premiums	69	66	69*	59
Telephone and postage	38	48	40*	40
Loss on foreclosed assets, net	-8	-97	2*	-
Other	460	490	389*	464
Total noninterest expense	5,475	5,463	5,142*	5,271
Income before income tax	1,822	1,904	2,554*	1,391
Provision for income tax	494	512	716*	380
Net income	1,328	1,392	1,838	1,011

Basic EPS	0.41	0.43	0.612	0.31
Diluted EPS	0.41	0.43	0.612	0.31
Basic Average Shares	3,243,273	3,238,462	3,003,519	3,228,839
Diluted Average Shares	3,243,273	3,238,462	3,003,519	3,228,839

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$1,328K
EPS
$0.41
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income
$1,328K
EPS
$0.41
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$1,328KEPS$0.41Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$1,328KEPS$0.41Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$1,328K
EPS
$0.41
Unit: Thousand (K) dollars

Net Income
$1,328K
EPS
$0.41
Unit: Thousand (K) dollars