Call reports 2012
FIRST NATIONAL BANK OF BALDWIN COUNTY — 2012
What FIRST NATIONAL BANK OF BALDWIN COUNTY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 205,869,000 | 206,471,000 | 190,315,000 | 186,770,000 |
| Total loans | 149,702,000 | 145,184,000 | 141,304,000 | 136,440,000 |
| Allowance for loan losses | 3,560,000 | 3,325,000 | 3,281,000 | 3,224,000 |
| Securities available for sale | 3,888,000 | 3,504,000 | 3,761,000 | 3,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,785,000 | 196,270,000 | 185,527,000 | 182,296,000 |
| Interest-bearing deposits | 154,711,000 | 159,228,000 | 149,717,000 | 146,148,000 |
| Noninterest-bearing deposits | 41,074,000 | 37,042,000 | 35,810,000 | 36,148,000 |
| Equity capital | 4,572,000 | 4,618,000 | 4,276,000 | 4,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,966,000 | 3,910,000 | 5,792,000 | 7,609,000 |
| Interest expense | 476,000 | 948,000 | 1,365,000 | 1,719,000 |
| Net interest income | 1,490,000 | 2,962,000 | 4,427,000 | 5,890,000 |
| Noninterest income | 207,000 | 465,000 | 149,000 | 332,000 |
| Noninterest expense | 1,719,000 | 3,440,000 | 5,079,000 | 6,961,000 |
| Provision for loan losses | 526,000 | 526,000 | 526,000 | 526,000 |
| Pretax income | -548,000 | -486,000 | -976,000 | -1,212,000 |
| Income tax | 0 | 0 | -143,000 | -143,000 |
| Net income | -548,000 | -486,000 | -833,000 | -1,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,553,000 | 4,615,000 | 4,268,000 | 4,032,000 |
| Total capital | 6,357,000 | 6,355,000 | 5,923,000 | 5,725,000 |
| Risk-weighted assets | 142,539,000 | 137,634,000 | 131,066,000 | 133,962,000 |