Call reports 2011
FIRST NATIONAL BANK OF SAINT IGNACE, THE — 2011
What FIRST NATIONAL BANK OF SAINT IGNACE, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 216,461,000 | 214,954,000 | 236,179,000 | 227,678,000 |
| Total loans | 81,465,000 | 83,137,000 | 82,231,000 | 80,677,000 |
| Allowance for loan losses | 1,273,000 | 1,236,000 | 1,220,000 | 1,255,000 |
| Securities available for sale | 107,157,000 | 104,450,000 | 105,455,000 | 108,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,922,000 | 188,444,000 | 209,335,000 | 200,855,000 |
| Interest-bearing deposits | 168,741,000 | 162,816,000 | 176,239,000 | 171,867,000 |
| Noninterest-bearing deposits | 22,181,000 | 25,628,000 | 33,096,000 | 28,988,000 |
| Equity capital | 22,213,000 | 23,164,000 | 23,580,000 | 23,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,194,000 | 4,387,000 | 6,559,000 | 8,663,000 |
| Interest expense | 569,000 | 1,115,000 | 1,647,000 | 2,189,000 |
| Net interest income | 1,625,000 | 3,272,000 | 4,912,000 | 6,474,000 |
| Noninterest income | 272,000 | 540,000 | 836,000 | 1,108,000 |
| Noninterest expense | 1,434,000 | 2,772,000 | 4,340,000 | 5,829,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 433,000 | 980,000 | 1,319,000 | 1,811,000 |
| Income tax | 81,000 | 196,000 | 242,000 | 209,000 |
| Net income | 352,000 | 784,000 | 1,077,000 | 1,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,288,000 | 21,900,000 | 21,811,000 | 22,002,000 |
| Total capital | 22,561,000 | 23,136,000 | 23,031,000 | 23,257,000 |
| Risk-weighted assets | 123,893,000 | 122,566,000 | 125,576,000 | 122,007,000 |