Call reports 2009
FIRST NATIONAL BANK OF SAINT IGNACE, THE — 2009
What FIRST NATIONAL BANK OF SAINT IGNACE, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 192,496,000 | 194,656,000 | 211,255,000 | 199,764,000 |
| Total loans | 82,263,000 | 81,360,000 | 79,668,000 | 78,566,000 |
| Allowance for loan losses | 719,000 | 778,000 | 806,000 | 1,024,000 |
| Securities available for sale | 82,476,000 | 81,874,000 | 96,269,000 | 94,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,943,000 | 171,390,000 | 186,998,000 | 175,255,000 |
| Interest-bearing deposits | 148,435,000 | 144,311,000 | 157,744,000 | 152,160,000 |
| Noninterest-bearing deposits | 20,508,000 | 27,079,000 | 29,254,000 | 23,095,000 |
| Equity capital | 21,054,000 | 20,674,000 | 21,894,000 | 21,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,315,000 | 4,507,000 | 6,804,000 | 9,037,000 |
| Interest expense | 752,000 | 1,483,000 | 2,194,000 | 2,878,000 |
| Net interest income | 1,563,000 | 3,024,000 | 4,610,000 | 6,159,000 |
| Noninterest income | 244,000 | 546,000 | 843,000 | 1,170,000 |
| Noninterest expense | 1,522,000 | 3,053,000 | 4,656,000 | 6,389,000 |
| Provision for loan losses | 60,000 | 140,000 | 245,000 | 465,000 |
| Pretax income | 219,000 | 369,000 | 544,000 | 808,000 |
| Income tax | -1,000 | -30,000 | -61,000 | -38,000 |
| Net income | 220,000 | 399,000 | 605,000 | 846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,598,000 | 19,197,000 | 20,560,000 | 20,671,000 |
| Total capital | 20,317,000 | 19,975,000 | 21,366,000 | 21,695,000 |
| Risk-weighted assets | 110,627,000 | 109,780,000 | 109,964,000 | 109,355,000 |