Call reports 2004
FIRST NATIONAL BANK OF BALDWIN COUNTY — 2004
What FIRST NATIONAL BANK OF BALDWIN COUNTY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 93,577,000 | 105,983,000 | 115,897,000 | 122,800,000 |
| Total loans | 83,829,000 | 94,365,000 | 105,449,000 | 107,717,000 |
| Allowance for loan losses | 866,000 | 945,000 | 1,050,000 | 1,285,000 |
| Securities available for sale | 2,239,000 | 2,152,000 | 2,697,000 | 5,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,240,000 | 94,173,000 | 99,153,000 | 110,500,000 |
| Interest-bearing deposits | 72,194,000 | 77,802,000 | 82,835,000 | 89,473,000 |
| Noninterest-bearing deposits | 11,046,000 | 16,371,000 | 16,318,000 | 21,027,000 |
| Equity capital | 7,645,000 | 7,717,000 | 7,930,000 | 9,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,015,000 | 2,209,000 | 3,633,000 | 5,228,000 |
| Interest expense | 325,000 | 674,000 | 1,095,000 | 1,600,000 |
| Net interest income | 690,000 | 1,535,000 | 2,538,000 | 3,628,000 |
| Noninterest income | 177,000 | 390,000 | 608,000 | 826,000 |
| Noninterest expense | 925,000 | 1,896,000 | 2,927,000 | 3,963,000 |
| Provision for loan losses | 31,000 | 110,000 | 215,000 | 450,000 |
| Pretax income | -85,000 | -77,000 | 8,000 | 45,000 |
| Income tax | -65,000 | -156,000 | -219,000 | -409,000 |
| Net income | -20,000 | 79,000 | 227,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,027,000 | 7,113,000 | 7,315,000 | 8,385,000 |
| Total capital | 7,893,000 | 8,058,000 | 8,365,000 | 9,606,000 |
| Risk-weighted assets | 73,716,000 | 80,951,000 | 90,610,000 | 97,616,000 |
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