Call reports 2013
FIRST NATIONAL BANK OF SAINT IGNACE, THE — 2013
What FIRST NATIONAL BANK OF SAINT IGNACE, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 232,275,000 | 226,100,000 | 246,039,000 | 233,473,000 |
| Total loans | 86,030,000 | 87,263,000 | 84,762,000 | 89,854,000 |
| Allowance for loan losses | 1,329,000 | 1,361,000 | 1,386,000 | 1,228,000 |
| Securities available for sale | 117,913,000 | 108,388,000 | 113,076,000 | 114,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,004,000 | 199,236,000 | 219,497,000 | 207,289,000 |
| Interest-bearing deposits | 177,349,000 | 169,741,000 | 182,717,000 | 177,738,000 |
| Noninterest-bearing deposits | 26,655,000 | 29,495,000 | 36,780,000 | 29,551,000 |
| Equity capital | 23,967,000 | 22,569,000 | 22,302,000 | 22,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,082,000 | 4,083,000 | 6,111,000 | 8,109,000 |
| Interest expense | 429,000 | 841,000 | 1,233,000 | 1,606,000 |
| Net interest income | 1,653,000 | 3,242,000 | 4,878,000 | 6,503,000 |
| Noninterest income | 216,000 | 437,000 | 726,000 | 1,000,000 |
| Noninterest expense | 1,431,000 | 3,077,000 | 4,737,000 | 6,097,000 |
| Provision for loan losses | 30,000 | 60,000 | 75,000 | 90,000 |
| Pretax income | 410,000 | 549,000 | 806,000 | 1,386,000 |
| Income tax | 70,000 | 31,000 | 54,000 | 89,000 |
| Net income | 340,000 | 518,000 | 752,000 | 1,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,148,000 | 22,360,000 | 22,173,000 | 21,905,000 |
| Total capital | 24,477,000 | 23,721,000 | 23,559,000 | 23,133,000 |
| Risk-weighted assets | 126,813,000 | 123,580,000 | 127,679,000 | 130,107,000 |