Call reports 2019
FIRST NATIONAL BANK OF SAINT IGNACE, THE — 2019
What FIRST NATIONAL BANK OF SAINT IGNACE, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 256,281,000 | 254,228,000 | 286,631,000 | 263,172,000 |
| Total loans | 83,767,000 | 85,409,000 | 83,410,000 | 81,308,000 |
| Allowance for loan losses | 1,006,000 | 1,025,000 | 1,040,000 | 1,041,000 |
| Securities available for sale | 145,196,000 | 135,783,000 | 139,938,000 | 144,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,814,000 | 223,117,000 | 255,512,000 | 232,212,000 |
| Interest-bearing deposits | 183,688,000 | 175,429,000 | 192,287,000 | 178,978,000 |
| Noninterest-bearing deposits | 43,126,000 | 47,688,000 | 63,225,000 | 53,234,000 |
| Equity capital | 21,778,000 | 23,346,000 | 23,566,000 | 22,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,029,000 | 4,242,000 | 6,370,000 | 8,425,000 |
| Interest expense | 442,000 | 878,000 | 1,277,000 | 1,677,000 |
| Net interest income | 1,587,000 | 3,364,000 | 5,093,000 | 6,748,000 |
| Noninterest income | 244,000 | 534,000 | 896,000 | 1,142,000 |
| Noninterest expense | 1,655,000 | 3,407,000 | 5,013,000 | 6,841,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 163,000 | 463,000 | 943,000 | 1,109,000 |
| Income tax | -19,000 | -14,000 | 60,000 | 21,000 |
| Net income | 182,000 | 477,000 | 883,000 | 1,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,681,000 | 19,741,000 | 19,705,000 | 19,670,000 |
| Total capital | 20,687,000 | 20,766,000 | 20,745,000 | 20,711,000 |
| Risk-weighted assets | 128,779,000 | 129,658,000 | 136,794,000 | 132,152,000 |