Call reports 2010
FIRST NATIONAL BANK OF SAINT IGNACE, THE — 2010
What FIRST NATIONAL BANK OF SAINT IGNACE, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 203,585,000 | 213,393,000 | 232,449,000 | 217,996,000 |
| Total loans | 81,706,000 | 83,494,000 | 82,583,000 | 81,474,000 |
| Allowance for loan losses | 961,000 | 1,095,000 | 1,184,000 | 1,235,000 |
| Securities available for sale | 93,901,000 | 86,943,000 | 106,918,000 | 106,171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,617,000 | 187,956,000 | 206,201,000 | 192,381,000 |
| Interest-bearing deposits | 156,025,000 | 161,950,000 | 174,130,000 | 167,134,000 |
| Noninterest-bearing deposits | 22,592,000 | 26,006,000 | 32,071,000 | 25,247,000 |
| Equity capital | 21,364,000 | 21,758,000 | 22,672,000 | 21,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,202,000 | 4,674,000 | 6,875,000 | 9,113,000 |
| Interest expense | 643,000 | 1,276,000 | 1,916,000 | 2,528,000 |
| Net interest income | 1,559,000 | 3,398,000 | 4,959,000 | 6,585,000 |
| Noninterest income | 268,000 | 562,000 | 1,019,000 | 1,279,000 |
| Noninterest expense | 1,357,000 | 2,834,000 | 4,413,000 | 6,028,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 462,000 | 1,107,000 | 1,484,000 | 1,865,000 |
| Income tax | 89,000 | 243,000 | 296,000 | 286,000 |
| Net income | 373,000 | 864,000 | 1,188,000 | 1,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,328,000 | 20,581,000 | 21,304,000 | 21,083,000 |
| Total capital | 21,289,000 | 21,676,000 | 22,488,000 | 22,318,000 |
| Risk-weighted assets | 112,035,000 | 116,596,000 | 124,888,000 | 122,420,000 |