Call reports 2018
FIRST NATIONAL BANK OF SAINT IGNACE, THE — 2018
What FIRST NATIONAL BANK OF SAINT IGNACE, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 262,053,000 | 260,497,000 | 285,167,000 | 259,632,000 |
| Total loans | 83,971,000 | 86,210,000 | 83,498,000 | 83,226,000 |
| Allowance for loan losses | 1,061,000 | 1,107,000 | 1,122,000 | 1,010,000 |
| Securities available for sale | 147,973,000 | 137,912,000 | 143,400,000 | 149,448,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,482,000 | 232,777,000 | 257,732,000 | 231,225,000 |
| Interest-bearing deposits | 192,989,000 | 183,848,000 | 196,649,000 | 182,548,000 |
| Noninterest-bearing deposits | 41,493,000 | 48,929,000 | 61,083,000 | 48,677,000 |
| Equity capital | 19,627,000 | 19,785,000 | 19,496,000 | 20,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,988,000 | 3,994,000 | 6,073,000 | 8,170,000 |
| Interest expense | 346,000 | 695,000 | 1,060,000 | 1,463,000 |
| Net interest income | 1,642,000 | 3,299,000 | 5,013,000 | 6,707,000 |
| Noninterest income | 270,000 | 530,000 | 913,000 | 1,174,000 |
| Noninterest expense | 1,731,000 | 3,351,000 | 5,041,000 | 6,789,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | -70,000 |
| Pretax income | 166,000 | 438,000 | 840,000 | 1,171,000 |
| Income tax | -26,000 | -29,000 | 0 | 37,000 |
| Net income | 192,000 | 467,000 | 840,000 | 1,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,647,000 | 19,774,000 | 19,967,000 | 19,630,000 |
| Total capital | 20,708,000 | 20,881,000 | 21,089,000 | 20,640,000 |
| Risk-weighted assets | 131,749,000 | 134,189,000 | 133,905,000 | 128,620,000 |