Call reports 2010
FIRST NATIONAL BANK OF BALDWIN COUNTY — 2010
What FIRST NATIONAL BANK OF BALDWIN COUNTY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 247,618,000 | 252,255,000 | 262,903,000 | 243,022,000 |
| Total loans | 189,010,000 | 179,674,000 | 171,811,000 | 170,827,000 |
| Allowance for loan losses | 6,726,000 | 6,085,000 | 4,972,000 | 5,415,000 |
| Securities available for sale | 5,980,000 | 8,059,000 | 8,158,000 | 26,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,067,000 | 229,628,000 | 241,018,000 | 227,961,000 |
| Interest-bearing deposits | 187,889,000 | 199,492,000 | 199,982,000 | 189,751,000 |
| Noninterest-bearing deposits | 35,178,000 | 30,136,000 | 41,036,000 | 38,210,000 |
| Equity capital | 18,787,000 | 16,850,000 | 16,132,000 | 9,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,488,000 | 4,911,000 | 7,260,000 | 9,554,000 |
| Interest expense | 772,000 | 1,517,000 | 2,255,000 | 2,967,000 |
| Net interest income | 1,716,000 | 3,394,000 | 5,005,000 | 6,587,000 |
| Noninterest income | 331,000 | 454,000 | 648,000 | 823,000 |
| Noninterest expense | 2,045,000 | 4,060,000 | 6,067,000 | 8,018,000 |
| Provision for loan losses | 2,199,000 | 3,972,000 | 4,500,000 | 4,955,000 |
| Pretax income | -2,197,000 | -4,184,000 | -4,914,000 | -5,563,000 |
| Income tax | -835,000 | -833,000 | -833,000 | 4,991,000 |
| Net income | -1,362,000 | -3,351,000 | -4,081,000 | -10,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,962,000 | 11,570,000 | 10,386,000 | 9,542,000 |
| Total capital | 17,342,000 | 13,865,000 | 12,610,000 | 11,656,000 |
| Risk-weighted assets | 186,045,000 | 179,770,000 | 175,139,000 | 165,795,000 |