Call reports 2015
FIRST NATIONAL BANK OF SAINT IGNACE, THE — 2015
What FIRST NATIONAL BANK OF SAINT IGNACE, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 244,691,000 | 239,774,000 | 268,521,000 | 251,599,000 |
| Total loans | 81,981,000 | 82,778,000 | 79,277,000 | 78,762,000 |
| Allowance for loan losses | 1,303,000 | 1,299,000 | 1,296,000 | 1,144,000 |
| Securities available for sale | 127,201,000 | 120,575,000 | 134,505,000 | 137,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,280,000 | 211,815,000 | 240,131,000 | 223,268,000 |
| Interest-bearing deposits | 181,423,000 | 173,729,000 | 192,709,000 | 185,542,000 |
| Noninterest-bearing deposits | 34,857,000 | 38,086,000 | 47,422,000 | 37,726,000 |
| Equity capital | 24,993,000 | 24,385,000 | 25,082,000 | 24,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,921,000 | 3,844,000 | 5,721,000 | 7,543,000 |
| Interest expense | 285,000 | 568,000 | 859,000 | 1,158,000 |
| Net interest income | 1,636,000 | 3,276,000 | 4,862,000 | 6,385,000 |
| Noninterest income | 221,000 | 461,000 | 767,000 | 1,114,000 |
| Noninterest expense | 1,478,000 | 2,998,000 | 4,453,000 | 6,237,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | -140,000 |
| Pretax income | 382,000 | 762,000 | 1,232,000 | 1,514,000 |
| Income tax | 45,000 | 84,000 | 155,000 | 0 |
| Net income | 337,000 | 678,000 | 1,077,000 | 1,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,964,000 | 24,132,000 | 24,342,000 | 24,546,000 |
| Total capital | 25,267,000 | 25,431,000 | 25,638,000 | 25,690,000 |
| Risk-weighted assets | 143,190,000 | 116,230,000 | 134,907,000 | 131,266,000 |