Call reports 2005
FIRST NATIONAL BANK OF SAINT IGNACE, THE — 2005
What FIRST NATIONAL BANK OF SAINT IGNACE, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 189,861,000 | 194,743,000 | 200,660,000 | 190,523,000 |
| Total loans | 104,311,000 | 106,354,000 | 105,179,000 | 103,838,000 |
| Allowance for loan losses | 816,000 | 700,000 | 737,000 | 721,000 |
| Securities available for sale | 71,599,000 | 70,041,000 | 72,597,000 | 69,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,080,000 | 169,274,000 | 178,282,000 | 168,608,000 |
| Interest-bearing deposits | 144,568,000 | 142,092,000 | 149,000,000 | 144,028,000 |
| Noninterest-bearing deposits | 22,512,000 | 27,182,000 | 29,282,000 | 24,580,000 |
| Equity capital | 19,681,000 | 20,136,000 | 20,018,000 | 19,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,298,000 | 4,615,000 | 7,100,000 | 9,557,000 |
| Interest expense | 772,000 | 1,651,000 | 2,628,000 | 3,706,000 |
| Net interest income | 1,526,000 | 2,964,000 | 4,472,000 | 5,851,000 |
| Noninterest income | 155,000 | 310,000 | 427,000 | 558,000 |
| Noninterest expense | 1,310,000 | 2,475,000 | 3,714,000 | 5,103,000 |
| Provision for loan losses | 123,000 | 178,000 | 238,000 | 298,000 |
| Pretax income | 248,000 | 620,000 | 946,000 | 1,007,000 |
| Income tax | 58,000 | 110,000 | 165,000 | 50,000 |
| Net income | 190,000 | 510,000 | 781,000 | 957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,120,000 | 20,216,000 | 20,268,000 | 20,223,000 |
| Total capital | 20,936,000 | 20,916,000 | 21,005,000 | 20,944,000 |
| Risk-weighted assets | 118,925,000 | 120,633,000 | 120,803,000 | 118,088,000 |