Call reports 2009
FIRST NATIONAL BANK OF BALDWIN COUNTY — 2009
What FIRST NATIONAL BANK OF BALDWIN COUNTY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 261,548,000 | 249,885,000 | 262,793,000 | 263,674,000 |
| Total loans | 219,955,000 | 212,385,000 | 204,023,000 | 193,874,000 |
| Allowance for loan losses | 6,592,000 | 7,626,000 | 6,261,000 | 5,501,000 |
| Securities available for sale | 7,490,000 | 7,492,000 | 8,039,000 | 7,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,403,000 | 219,073,000 | 233,821,000 | 237,681,000 |
| Interest-bearing deposits | 203,387,000 | 189,677,000 | 201,777,000 | 205,583,000 |
| Noninterest-bearing deposits | 24,016,000 | 29,396,000 | 32,044,000 | 32,098,000 |
| Equity capital | 23,020,000 | 22,102,000 | 23,073,000 | 20,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,818,000 | 5,623,000 | 8,352,000 | 11,014,000 |
| Interest expense | 1,244,000 | 2,287,000 | 3,170,000 | 4,036,000 |
| Net interest income | 1,574,000 | 3,336,000 | 5,182,000 | 6,978,000 |
| Noninterest income | 264,000 | 644,000 | 1,080,000 | -446,000 |
| Noninterest expense | 2,107,000 | 4,267,000 | 6,285,000 | 8,408,000 |
| Provision for loan losses | 2,081,000 | 3,501,000 | 5,013,000 | 7,368,000 |
| Pretax income | -2,350,000 | -3,744,000 | -4,992,000 | -9,200,000 |
| Income tax | -893,000 | -1,446,000 | -2,196,000 | -3,508,000 |
| Net income | -1,457,000 | -2,298,000 | -2,796,000 | -5,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,089,000 | 20,033,000 | 20,660,000 | 17,152,000 |
| Total capital | 23,688,000 | 22,591,000 | 23,178,000 | 19,593,000 |
| Risk-weighted assets | 203,912,000 | 202,607,000 | 197,672,000 | 192,208,000 |