Call reports 2006
FIRST NATIONAL BANK OF BALDWIN COUNTY — 2006
What FIRST NATIONAL BANK OF BALDWIN COUNTY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 191,826,000 | 207,535,000 | 204,819,000 | 216,997,000 |
| Total loans | 170,031,000 | 179,290,000 | 182,138,000 | 185,497,000 |
| Allowance for loan losses | 1,912,000 | 2,002,000 | 2,043,000 | 2,083,000 |
| Securities available for sale | 7,033,000 | 7,004,000 | 7,089,000 | 7,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,955,000 | 178,687,000 | 182,853,000 | 187,104,000 |
| Interest-bearing deposits | 132,045,000 | 139,906,000 | 156,032,000 | 156,856,000 |
| Noninterest-bearing deposits | 30,910,000 | 38,781,000 | 26,821,000 | 30,249,000 |
| Equity capital | 16,029,000 | 16,580,000 | 17,170,000 | 24,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,236,000 | 6,833,000 | 10,729,000 | 14,734,000 |
| Interest expense | 1,354,000 | 2,885,000 | 4,674,000 | 6,552,000 |
| Net interest income | 1,882,000 | 3,948,000 | 6,055,000 | 8,182,000 |
| Noninterest income | 266,000 | 587,000 | 881,000 | 1,193,000 |
| Noninterest expense | 1,311,000 | 2,742,000 | 4,266,000 | 5,782,000 |
| Provision for loan losses | 105,000 | 195,000 | 235,000 | 275,000 |
| Pretax income | 732,000 | 1,598,000 | 2,435,000 | 3,318,000 |
| Income tax | 264,000 | 581,000 | 888,000 | 1,271,000 |
| Net income | 468,000 | 1,017,000 | 1,547,000 | 2,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,138,000 | 16,697,000 | 17,237,000 | 24,466,000 |
| Total capital | 18,050,000 | 18,699,000 | 19,280,000 | 26,549,000 |
| Risk-weighted assets | 160,250,000 | 170,154,000 | 171,437,000 | 177,426,000 |
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