Call reports 2002
FIRST NATIONAL BANK OF BALDWIN COUNTY — 2002
What FIRST NATIONAL BANK OF BALDWIN COUNTY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 13,833,000 | 23,557,000 | 35,720,000 | 44,501,000 |
| Total loans | 5,764,000 | 13,634,000 | 23,848,000 | 36,318,000 |
| Allowance for loan losses | 65,000 | 141,000 | 225,000 | 342,000 |
| Securities available for sale | 0 | 0 | 3,049,000 | 4,645,000 |
| Securities held to maturity | 99,000 | 99,000 | 99,000 | 99,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,960,000 | 14,814,000 | 26,908,000 | 35,370,000 |
| Interest-bearing deposits | 5,284,000 | 12,723,000 | 22,793,000 | 30,364,000 |
| Noninterest-bearing deposits | 676,000 | 2,091,000 | 4,115,000 | 5,006,000 |
| Equity capital | 7,846,000 | 8,652,000 | 8,452,000 | 8,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 100,000 | 323,000 | 690,000 | 1,201,000 |
| Interest expense | 21,000 | 82,000 | 217,000 | 391,000 |
| Net interest income | 79,000 | 241,000 | 473,000 | 810,000 |
| Noninterest income | 1,000 | 37,000 | 98,000 | 196,000 |
| Noninterest expense | 392,000 | 896,000 | 1,479,000 | 2,098,000 |
| Provision for loan losses | 35,000 | 111,000 | 195,000 | 312,000 |
| Pretax income | -347,000 | -729,000 | -1,103,000 | -1,404,000 |
| Income tax | -91,000 | -135,000 | -202,000 | -278,000 |
| Net income | -256,000 | -594,000 | -901,000 | -1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,846,000 | 8,652,000 | 8,430,000 | 7,961,000 |
| Total capital | 7,912,000 | 8,793,000 | 8,655,000 | 8,303,000 |
| Risk-weighted assets | 8,208,000 | 14,880,000 | 22,632,000 | 32,293,000 |
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