Call reports 2005
FIRST NATIONAL BANK OF BALDWIN COUNTY — 2005
What FIRST NATIONAL BANK OF BALDWIN COUNTY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 135,200,000 | 157,292,000 | 174,275,000 | 182,650,000 |
| Total loans | 114,332,000 | 132,341,000 | 149,352,000 | 163,040,000 |
| Allowance for loan losses | 1,330,000 | 1,455,000 | 1,625,000 | 1,805,000 |
| Securities available for sale | 5,080,000 | 7,113,000 | 7,060,000 | 7,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,022,000 | 139,064,000 | 155,998,000 | 153,781,000 |
| Interest-bearing deposits | 99,359,000 | 103,829,000 | 119,397,000 | 128,438,000 |
| Noninterest-bearing deposits | 22,663,000 | 35,235,000 | 36,601,000 | 25,343,000 |
| Equity capital | 9,891,000 | 14,462,000 | 14,801,000 | 15,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,748,000 | 3,872,000 | 6,376,000 | 9,352,000 |
| Interest expense | 591,000 | 1,284,000 | 2,129,000 | 3,244,000 |
| Net interest income | 1,157,000 | 2,588,000 | 4,247,000 | 6,108,000 |
| Noninterest income | 182,000 | 432,000 | 702,000 | 986,000 |
| Noninterest expense | 1,076,000 | 2,191,000 | 3,367,000 | 4,608,000 |
| Provision for loan losses | 45,000 | 170,000 | 340,000 | 520,000 |
| Pretax income | 218,000 | 659,000 | 1,242,000 | 1,966,000 |
| Income tax | 80,000 | 239,000 | 455,000 | 699,000 |
| Net income | 138,000 | 420,000 | 787,000 | 1,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,495,000 | 14,265,000 | 14,889,000 | 15,636,000 |
| Total capital | 10,791,000 | 15,718,000 | 16,514,000 | 17,441,000 |
| Risk-weighted assets | 103,605,000 | 116,245,000 | 133,028,000 | 150,761,000 |
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