Call reports 2007
FIRST NATIONAL BANK OF BALDWIN COUNTY — 2007
What FIRST NATIONAL BANK OF BALDWIN COUNTY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 220,442,000 | 241,594,000 | 235,751,000 | 241,510,000 |
| Total loans | 201,327,000 | 210,273,000 | 213,877,000 | 217,992,000 |
| Allowance for loan losses | 2,128,000 | 2,233,000 | 2,260,000 | 2,386,000 |
| Securities available for sale | 7,143,000 | 7,125,000 | 7,211,000 | 7,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,105,000 | 201,599,000 | 197,665,000 | 197,182,000 |
| Interest-bearing deposits | 159,181,000 | 173,303,000 | 173,132,000 | 173,126,000 |
| Noninterest-bearing deposits | 27,924,000 | 28,296,000 | 24,533,000 | 24,056,000 |
| Equity capital | 24,984,000 | 25,543,000 | 26,192,000 | 26,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,105,000 | 8,496,000 | 12,979,000 | 17,194,000 |
| Interest expense | 1,877,000 | 3,952,000 | 6,105,000 | 8,189,000 |
| Net interest income | 2,228,000 | 4,544,000 | 6,874,000 | 9,005,000 |
| Noninterest income | 276,000 | 669,000 | 955,000 | 1,150,000 |
| Noninterest expense | 1,574,000 | 3,262,000 | 4,970,000 | 6,637,000 |
| Provision for loan losses | 80,000 | 185,000 | 220,000 | 495,000 |
| Pretax income | 850,000 | 1,766,000 | 2,639,000 | 3,023,000 |
| Income tax | 323,000 | 666,000 | 990,000 | 1,051,000 |
| Net income | 527,000 | 1,100,000 | 1,649,000 | 1,972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,022,000 | 25,595,000 | 26,189,000 | 26,512,000 |
| Total capital | 27,150,000 | 27,828,000 | 28,449,000 | 28,898,000 |
| Risk-weighted assets | 186,594,000 | 199,495,000 | 199,020,000 | 201,464,000 |
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