The First National Bank Of St. Ignace Financial Statements & Health Reports

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Vitals

ROAA

.342

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	The First National Bank Of St. Ignace	All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets	268,928	330,697
Total Net Loans	75,981	227,599
Total Deposits	238,236	278,247
Total Equity	18,180	33,935
Profitability
Net Income	890	3,589
Return on Average Assets	.342	.954
Return on Average Equity	3.658	8.772
Net Interest Margin	2.785	3.821
Efficiency Ratio	92.172	71.925
Noninterest Income/Revenue	12.765	24.061
Balance Sheet Ratios
Loan-to-Deposit	31.893	76.845
Securities/Assets	.537	.16
Total Equity/Total Assets	.068	.103
Tangible Equity/Tangible Assets	.066	.098
Capital Adequacy
Tier 1 Common Capital	20,606	32,553
Tier 1 Capital	20,606	32,664
Tier 2 Capital	1,124	2,479
Total Capital	21,730	35,133
Total Risk Weighted Assets	137,703	242,208
Leverage Ratio	7.6	10.341
Common Equity Tier 1 Capital Ratio	14.96	15.339
Tier 1 Capital Ratio	14.96	15.393
Total Capital Ratio	15.78	16.423

The First National Bank Of St. Ignace was established 136 years ago and is currently headquartered in St. Ignace, MI.

May 17 1888

Relationships	Role	Relationship Start	Relationship End

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