Call reports 2007
BALDWIN STATE BANK, THE — 2007
What BALDWIN STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 57,197,000 | 57,366,000 | 56,520,000 | 58,401,000 |
| Total loans | 32,998,000 | 32,340,000 | 32,982,000 | 34,227,000 |
| Allowance for loan losses | 704,000 | 693,000 | 755,000 | 621,000 |
| Securities available for sale | 19,238,000 | 19,005,000 | 18,831,000 | 20,233,000 |
| Securities held to maturity | 389,000 | 389,000 | 386,000 | 386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,287,000 | 50,532,000 | 49,374,000 | 49,345,000 |
| Interest-bearing deposits | 42,010,000 | 43,136,000 | 41,400,000 | 40,023,000 |
| Noninterest-bearing deposits | 8,276,000 | 7,396,000 | 7,974,000 | 9,322,000 |
| Equity capital | 6,334,000 | 6,236,000 | 6,557,000 | 6,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 864,000 | 1,714,000 | 2,578,000 | 3,452,000 |
| Interest expense | 411,000 | 811,000 | 1,208,000 | 1,571,000 |
| Net interest income | 453,000 | 903,000 | 1,370,000 | 1,881,000 |
| Noninterest income | 102,000 | 211,000 | 322,000 | 435,000 |
| Noninterest expense | 450,000 | 869,000 | 1,292,000 | 1,840,000 |
| Provision for loan losses | 25,000 | 46,000 | 115,000 | 53,000 |
| Pretax income | 80,000 | 199,000 | 286,000 | 424,000 |
| Income tax | 7,000 | 13,000 | 13,000 | 16,000 |
| Net income | 73,000 | 186,000 | 273,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,346,000 | 6,338,000 | 6,425,000 | 6,380,000 |
| Total capital | 6,678,000 | 6,677,000 | 6,763,000 | 6,732,000 |
| Risk-weighted assets | 26,182,000 | 26,730,000 | 26,652,000 | 27,903,000 |
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