Call reports 2012
FIRST NATIONAL BANK OF SAINT IGNACE, THE — 2012
What FIRST NATIONAL BANK OF SAINT IGNACE, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 228,971,000 | 224,978,000 | 248,056,000 | 233,709,000 |
| Total loans | 82,159,000 | 86,680,000 | 85,400,000 | 84,576,000 |
| Allowance for loan losses | 1,296,000 | 1,273,000 | 1,312,000 | 1,308,000 |
| Securities available for sale | 117,476,000 | 104,547,000 | 115,845,000 | 118,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,738,000 | 197,476,000 | 219,827,000 | 205,554,000 |
| Interest-bearing deposits | 177,010,000 | 169,506,000 | 185,209,000 | 177,184,000 |
| Noninterest-bearing deposits | 24,728,000 | 27,970,000 | 34,618,000 | 28,370,000 |
| Equity capital | 23,011,000 | 23,273,000 | 24,160,000 | 23,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,126,000 | 4,235,000 | 6,320,000 | 8,489,000 |
| Interest expense | 543,000 | 1,055,000 | 1,553,000 | 2,014,000 |
| Net interest income | 1,583,000 | 3,180,000 | 4,767,000 | 6,475,000 |
| Noninterest income | 255,000 | 511,000 | 939,000 | 1,188,000 |
| Noninterest expense | 1,475,000 | 2,990,000 | 4,617,000 | 5,996,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 334,000 | 361,000 | 730,000 | 1,393,000 |
| Income tax | 38,000 | -42,000 | -47,000 | 37,000 |
| Net income | 296,000 | 403,000 | 777,000 | 1,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,013,000 | 22,036,000 | 22,806,000 | 23,011,000 |
| Total capital | 23,309,000 | 23,309,000 | 24,118,000 | 24,319,000 |
| Risk-weighted assets | 125,222,000 | 127,511,000 | 130,313,000 | 126,497,000 |