Call reports 2006
FIRST NATIONAL BANK OF SAINT IGNACE, THE — 2006
What FIRST NATIONAL BANK OF SAINT IGNACE, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 186,982,000 | 186,022,000 | 199,614,000 | 183,499,000 |
| Total loans | 101,752,000 | 102,232,000 | 99,334,000 | 99,145,000 |
| Allowance for loan losses | 792,000 | 810,000 | 830,000 | 870,000 |
| Securities available for sale | 70,573,000 | 62,876,000 | 70,529,000 | 67,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,263,000 | 164,307,000 | 177,404,000 | 160,999,000 |
| Interest-bearing deposits | 144,201,000 | 139,850,000 | 151,104,000 | 140,403,000 |
| Noninterest-bearing deposits | 21,062,000 | 24,457,000 | 26,300,000 | 20,596,000 |
| Equity capital | 19,537,000 | 19,417,000 | 19,955,000 | 20,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,391,000 | 4,910,000 | 7,532,000 | 10,056,000 |
| Interest expense | 1,070,000 | 2,229,000 | 3,474,000 | 4,737,000 |
| Net interest income | 1,321,000 | 2,681,000 | 4,058,000 | 5,319,000 |
| Noninterest income | 188,000 | 350,000 | 549,000 | 921,000 |
| Noninterest expense | 1,263,000 | 2,556,000 | 3,825,000 | 5,253,000 |
| Provision for loan losses | 75,000 | 135,000 | 195,000 | 255,000 |
| Pretax income | 172,000 | 341,000 | 588,000 | 733,000 |
| Income tax | 2,000 | 9,000 | 35,000 | -115,000 |
| Net income | 170,000 | 332,000 | 553,000 | 848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,169,000 | 20,211,000 | 20,312,000 | 20,487,000 |
| Total capital | 20,961,000 | 21,021,000 | 21,142,000 | 21,357,000 |
| Risk-weighted assets | 117,615,000 | 117,000,000 | 119,518,000 | 117,323,000 |