Call reports 2025
FIRST NATIONAL BANK OF SAINT IGNACE, THE — 2025
What FIRST NATIONAL BANK OF SAINT IGNACE, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 320,861,000 | 321,796,000 | 364,778,000 | 343,698,000 |
| Total loans | 102,824,000 | 104,629,000 | 103,606,000 | 108,289,000 |
| Allowance for loan losses | 953,000 | 958,000 | 962,000 | 955,000 |
| Securities available for sale | 174,892,000 | 167,086,000 | 164,077,000 | 163,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,274,000 | 307,162,000 | 348,153,000 | 323,984,000 |
| Interest-bearing deposits | 234,415,000 | 223,551,000 | 244,404,000 | 237,916,000 |
| Noninterest-bearing deposits | 72,859,000 | 83,611,000 | 103,749,000 | 86,068,000 |
| Equity capital | 12,405,000 | 13,306,000 | 15,450,000 | 18,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,239,000 | 4,655,000 | 7,418,000 | 10,433,000 |
| Interest expense | 887,000 | 1,760,000 | 2,616,000 | 3,496,000 |
| Net interest income | 1,352,000 | 2,895,000 | 4,802,000 | 6,937,000 |
| Noninterest income | 424,000 | 761,000 | 1,142,000 | 1,484,000 |
| Noninterest expense | 1,814,000 | 3,700,000 | 5,751,000 | 7,682,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | -53,000 | -67,000 | 170,000 | -166,000 |
| Income tax | -30,000 | -54,000 | -11,000 | -141,000 |
| Net income | -23,000 | -13,000 | 181,000 | -25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,914,000 | 23,925,000 | 24,063,000 | 24,850,000 |
| Total capital | 24,867,000 | 24,883,000 | 25,025,000 | 25,804,000 |
| Risk-weighted assets | 156,035,000 | 153,514,000 | 146,562,000 | 155,235,000 |