Call reports 2008
FIRST NATIONAL BANK OF BALDWIN COUNTY — 2008
What FIRST NATIONAL BANK OF BALDWIN COUNTY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 249,533,000 | 257,346,000 | 263,959,000 | 266,173,000 |
| Total loans | 225,700,000 | 227,434,000 | 230,598,000 | 230,688,000 |
| Allowance for loan losses | 5,587,000 | 4,171,000 | 3,085,000 | 6,170,000 |
| Securities available for sale | 7,380,000 | 7,253,000 | 7,221,000 | 7,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,888,000 | 222,041,000 | 228,632,000 | 228,620,000 |
| Interest-bearing deposits | 181,950,000 | 191,669,000 | 203,579,000 | 203,197,000 |
| Noninterest-bearing deposits | 26,938,000 | 30,372,000 | 25,053,000 | 25,423,000 |
| Equity capital | 24,181,000 | 24,161,000 | 24,228,000 | 23,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,746,000 | 7,256,000 | 10,767,000 | 14,048,000 |
| Interest expense | 1,820,000 | 3,383,000 | 4,908,000 | 6,342,000 |
| Net interest income | 1,926,000 | 3,873,000 | 5,859,000 | 7,706,000 |
| Noninterest income | 260,000 | 542,000 | 778,000 | 960,000 |
| Noninterest expense | 2,061,000 | 4,059,000 | 6,109,000 | 8,282,000 |
| Provision for loan losses | 3,575,000 | 4,291,000 | 4,704,000 | 8,391,000 |
| Pretax income | -3,450,000 | -3,935,000 | -4,176,000 | -8,007,000 |
| Income tax | -1,311,000 | -1,495,000 | -1,587,000 | -2,938,000 |
| Net income | -2,139,000 | -2,440,000 | -2,589,000 | -5,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,072,000 | 24,127,000 | 24,018,000 | 22,242,000 |
| Total capital | 26,748,000 | 26,839,000 | 26,738,000 | 24,958,000 |
| Risk-weighted assets | 211,146,000 | 215,489,000 | 217,251,000 | 213,825,000 |
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