Call reports 2003
FIRST NATIONAL BANK OF BALDWIN COUNTY — 2003
What FIRST NATIONAL BANK OF BALDWIN COUNTY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 51,427,000 | 59,267,000 | 70,795,000 | 81,825,000 |
| Total loans | 43,634,000 | 51,404,000 | 60,928,000 | 71,598,000 |
| Allowance for loan losses | 447,000 | 517,000 | 595,000 | 840,000 |
| Securities available for sale | 2,554,000 | 2,581,000 | 2,551,000 | 2,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,918,000 | 51,297,000 | 59,415,000 | 72,008,000 |
| Interest-bearing deposits | 36,444,000 | 44,142,000 | 50,905,000 | 62,281,000 |
| Noninterest-bearing deposits | 5,474,000 | 7,155,000 | 8,510,000 | 9,727,000 |
| Equity capital | 8,033,000 | 7,852,000 | 7,673,000 | 7,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 585,000 | 1,261,000 | 2,055,000 | 2,978,000 |
| Interest expense | 192,000 | 410,000 | 640,000 | 925,000 |
| Net interest income | 393,000 | 851,000 | 1,415,000 | 2,053,000 |
| Noninterest income | 141,000 | 291,000 | 460,000 | 606,000 |
| Noninterest expense | 716,000 | 1,516,000 | 2,382,000 | 3,217,000 |
| Provision for loan losses | 105,000 | 175,000 | 253,000 | 503,000 |
| Pretax income | -242,000 | -504,000 | -716,000 | -1,016,000 |
| Income tax | -41,000 | -88,000 | -126,000 | -346,000 |
| Net income | -201,000 | -416,000 | -590,000 | -670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,725,000 | 7,469,000 | 7,662,000 | 6,965,000 |
| Total capital | 8,172,000 | 7,986,000 | 8,257,000 | 7,764,000 |
| Risk-weighted assets | 37,857,000 | 45,356,000 | 55,225,000 | 63,906,000 |
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