Call reports 2011
FIRST NATIONAL BANK OF BALDWIN COUNTY — 2011
What FIRST NATIONAL BANK OF BALDWIN COUNTY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 239,122,000 | 219,368,000 | 207,234,000 | 206,596,000 |
| Total loans | 166,404,000 | 163,462,000 | 158,491,000 | 154,877,000 |
| Allowance for loan losses | 4,137,000 | 4,005,000 | 3,832,000 | 3,703,000 |
| Securities available for sale | 24,263,000 | 16,639,000 | 5,900,000 | 4,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,196,000 | 207,800,000 | 196,186,000 | 195,992,000 |
| Interest-bearing deposits | 186,318,000 | 166,762,000 | 159,895,000 | 156,620,000 |
| Noninterest-bearing deposits | 38,878,000 | 41,038,000 | 36,291,000 | 39,372,000 |
| Equity capital | 8,338,000 | 5,929,000 | 5,432,000 | 5,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,162,000 | 4,312,000 | 6,417,000 | 8,525,000 |
| Interest expense | 645,000 | 1,244,000 | 1,799,000 | 2,315,000 |
| Net interest income | 1,517,000 | 3,068,000 | 4,618,000 | 6,210,000 |
| Noninterest income | -141,000 | -1,986,000 | -2,193,000 | -2,196,000 |
| Noninterest expense | 2,006,000 | 3,963,000 | 5,873,000 | 7,593,000 |
| Provision for loan losses | 583,000 | 795,000 | 795,000 | 977,000 |
| Pretax income | -1,213,000 | -3,676,000 | -4,128,000 | -4,441,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,213,000 | -3,676,000 | -4,128,000 | -4,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,329,000 | 5,865,000 | 5,414,000 | 5,101,000 |
| Total capital | 10,384,000 | 7,852,000 | 7,333,000 | 6,936,000 |
| Risk-weighted assets | 162,278,000 | 156,981,000 | 151,636,000 | 145,810,000 |